A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially 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.
ALLEGAN COMMUNITY scored 4 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.11.
One indication that ALLEGAN COMMUNITY is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.