A credit union's earnings performance affects its safety and soundness. Earnings may be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's earnings test, SILVERADO scored 20 out of a possible 30, exceeding the national average of 10.31.
One sign that SILVERADO is running ahead of its peers in this area was its earnings ratio of 12.00 percent in our test, above the average for all credit unions.