A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to deal with problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
ALATRUST scored 8 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
One indication that ALATRUST 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.