How successful a credit union is at making money has an effect on its safety and soundness. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's earnings test, BIG SKY scored 4 out of a possible 30, lower than the national average of 10.11.
One indication that BIG SKY is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.