A credit union's ability to earn money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in times of trouble. Credit unions that are losing money, however, have less ability to do those things.
NORTHEAST ALABAMA POSTAL fell short of the national average on Bankrate's test of earnings, achieving a score of 2 out of a possible 30.
NORTHEAST ALABAMA POSTAL had an earnings ratio of 0.00 percent in our test, worse than the average for all credit unions, suggesting that it's running behind its peers in this area.