How successful a credit union is at making money has an effect on its safety and soundness. Earnings may be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
HIGHMARK did above-average on Bankrate's test of earnings, achieving a score of 12 out of a possible 30.
One indication that HIGHMARK is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.