A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's earnings test, ALIVE scored 6 out of a possible 30, coming in below the national average of 10.11.
One indication that ALIVE 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.