A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, potentially making the credit union more resilient in times of trouble. However, credit unions that are losing money have less ability to do those things.
ALLVAC SAVINGS AND scored 8 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.11.
ALLVAC SAVINGS AND had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, suggesting that it's doing better than its peers in this area.