How successful a credit union is at earning money affects 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 more resilient in times of trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
OTTAWA HIWAY fell behind the national average on Bankrate's test of earnings, achieving a score of 4 out of a possible 30.
One sign that OTTAWA HIWAY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.