How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, AMERICAN AIRLINES scored 8 out of a possible 30, below the national average of 10.31.
One sign that AMERICAN AIRLINES is beating its peers in this area was its earnings ratio of 4.00 percent in our test, above the average for all credit unions.