A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. Obviously, credit unions that are losing money are less able to do those things.
On Bankrate's test of earnings, HONOLULU scored 4 out of a possible 30, falling short of the national average of 10.31.
One indication that the credit union is outperforming its peers in this area was its earnings ratio of 2.00 percent in our test, above the average for all credit unions.