A credit union's earnings performance has an effect on its safety and soundness. Earnings can be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. Obviously, credit unions that are losing money are less able to do those things.
GHS scored 4 out of a possible 30 on Bankrate's test of earnings, coming in below the national average of 10.11.
One indication that GHS 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.