A credit union's earnings performance affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand economic shocks. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, USALLIANCE scored 20 out of a possible 30, better than the national average of 10.11.
One indication that USALLIANCE is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.