How successful a credit union is at earning money affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, USALLIANCE scored 20 out of a possible 30, exceeding the national average of 10.31.
One sign that USALLIANCE is running ahead of its peers in this area was its earnings ratio of 11.00 percent in our test, above the average for all credit unions.