A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, ADVANTAGE scored 18 out of a possible 30, beating out the national average of 10.11.
One indication that ADVANTAGE is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.