How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, likely making the credit union better prepared to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, ADVANTAGE ONE scored 6 out of a possible 30, coming in below the national average of 10.11.
One sign that ADVANTAGE ONE is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.