How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or put them to work addressing problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, are less able to do those things.
ALTA VISTA scored 6 out of a possible 30 on Bankrate's test of earnings, failing to reach the national average of 10.31.
One indication that the credit union is beating its peers in this area was its earnings ratio of 3.00 percent in our test, higher than the average for all credit unions.