A credit union's ability to earn money has an effect on its long-term survivability. Earnings can be retained by the credit union, giving a boost to its capital buffer, or be used to deal with problematic loans, likely making the credit union more resilient in tough times. However, credit unions that are losing money are less able to do those things.
HUGHES received above-average marks on Bankrate's earnings test, achieving a score of 18 out of a possible 30.
The credit union had an earnings ratio of 9.00 percent in our test, higher than the average for all credit unions, a sign that it's outperforming its peers in this area.