A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
MAC scored 12 out of a possible 30 on Bankrate's test of earnings, better than the national average of 10.31.
MAC had an earnings ratio of 5.00 percent in our test, better than the average for all credit unions, an indication that it's running ahead of its peers in this area.