How successful a credit union is at earning money affects its long-term survivability. Earnings may be retained by the credit union, boosting its capital cushion, or be used to address problematic loans, potentially making the credit union better able to withstand financial shocks. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, HAWAII FIRST scored 26 out of a possible 30, beating the national average of 10.31.
One sign that the credit union is running ahead of its peers in this area was its earnings ratio of 16.00 percent in our test, above the average for all credit unions.