well it is considered a relatively high handicap in Golf, this means the individual would likely average around 93 for all his rounds of golf. one must include slope and rating of the course when calculating a handicap, all handicap calculating programs calculate slope and rating for you. please keep in mind this came from a scratch handicap (0) and that the average golfer shoots 106 in his average round so think of it as your already better than average!!!!
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A 20 handicap means you shoot around a 90-94 on average on a par 72. It depends what you consider 'good'. I would consider it above average, but not good.