A credit union's profitability affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better prepared to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
MEMBERSALLIANCE fell behind the national average on Bankrate's test of earnings, achieving a score of 10 out of a possible 30.
One indication that MEMBERSALLIANCE is beating its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.