A credit union's profitability has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand financial shocks. Obviously, credit unions that are losing money have less ability to do those things.
HAWAII COUNTY EMPLOYEES scored 10 out of a possible 30 on Bankrate's earnings test, coming in below the national average of 10.31.
The credit union had an earnings ratio of 5.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.