How successful a credit union is at earning money has an effect on its safety and soundness. Earnings may 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. Obviously, credit unions that are losing money have less ability to do those things.
On Bankrate's earnings test, HAWAIIAN TEL scored 14 out of a possible 30, above the national average of 10.31.
HAWAIIAN TEL had an earnings ratio of 7.00 percent in our test, higher than the average for all credit unions, a sign that it's beating its peers in this area.