A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Credit unions that are losing money, however, are less able to do those things.
On Bankrate's test of earnings, ALIVE scored 4 out of a possible 30, less than the national average of 10.31.
ALIVE had an earnings ratio of 2.00 percent in our test, above the average for all credit unions, suggesting that it's outperforming its peers in this area.