A credit union's ability to earn money has an effect on its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, HAWAII SCHOOLS scored 4 out of a possible 30, falling short of the national average of 10.31.
HAWAII SCHOOLS had an earnings ratio of 1.00 percent in our test, equal to the average for all credit unions, suggesting that it's right in line with its peers in this area.