A credit union's profitability affects its long-term survivability. Earnings may be retained by the credit union, boosting its capital buffer, or be used to deal with problematic loans, likely making the credit union better able to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, PEOPLE'S ALLIANCE scored 4 out of a possible 30, below the national average of 10.31.
PEOPLE'S ALLIANCE had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, suggesting that it's right in line with its peers in this area.