A credit union's profitability has an effect on its safety and soundness. Earnings can be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
HICKAM outperformed the average on Bankrate's test of earnings, achieving a score of 12 out of a possible 30.
HICKAM had an earnings ratio of 5.00 percent in our test, higher than the average for all credit unions, a sign that it's doing better than its peers in this area.