How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or use them to deal with 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.
HONOLULU FIRE DEPARTMENT scored 6 out of a possible 30 on Bankrate's test of earnings, less than the national average of 10.31.
One sign that the credit union is doing better than its peers in this area was its earnings ratio of 2.00 percent in our test, above the average for all credit unions.