How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's test of earnings, CU HAWAII scored 6 out of a possible 30, less than the national average of 10.31.
One sign that CU HAWAII is running ahead of its peers in this area was its earnings ratio of 2.00 percent in our test, better than the average for all credit unions.