A credit union's profitability affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to address problematic loans, likely making the credit union better prepared to withstand financial shocks. However, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, ALOHA PACIFIC scored 16 out of a possible 30, better than the national average of 10.31.
The credit union had an earnings ratio of 7.00 percent in our test, above the average for all credit unions, a sign that it's running ahead of its peers in this area.