How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, boosting its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
On Bankrate's earnings test, AMERICU scored 16 out of a possible 30, above the national average of 10.11.
One indication that AMERICU is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.