How successful a credit union is at making money affects its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
ALIGN scored 4 out of a possible 30 on Bankrate's earnings test, less than the national average of 10.11.
One sign that ALIGN is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.