A credit union's profitability affects its safety and soundness. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, HIGHWAY scored 10 out of a possible 30, coming in below the national average of 10.11.
One sign that HIGHWAY 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.