How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial shocks. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, ALHAMBRA scored 8 out of a possible 30, failing to reach the national average of 10.11.
One indication that ALHAMBRA is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.