How successful a credit union is at making money has an effect on its long-term survivability. Earnings can be retained by the credit union, expanding its capital buffer, or be used to address problematic loans, potentially making the credit union better prepared to withstand financial trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, EAST ALABAMA COMMUNITY scored 6 out of a possible 30, coming in below the national average of 10.11.
One indication that EAST ALABAMA COMMUNITY is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.