How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, boosting its capital cushion, or use them to deal with problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses take away from a credit union's ability to do those things.
On Bankrate's test of earnings, ALABAMA RURAL ELECTRIC scored 8 out of a possible 30, below the national average of 10.11.
One sign that ALABAMA RURAL ELECTRIC is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.