A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital cushion, or be used to address problematic loans, potentially making the credit union better prepared to withstand economic trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, HAWAII PACIFIC scored 0 out of a possible 30, lower than the national average of 10.31.
HAWAII PACIFIC had an earnings ratio of -10.00 percent in our test, worse than the average for all credit unions, suggesting that it's running behind its peers in this area.