How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, NORTH ALABAMA PAPERMAKERS scored 2 out of a possible 30, less than the national average of 10.11.
One sign that NORTH ALABAMA PAPERMAKERS is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.