A credit union's earnings performance has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial trouble. Credit unions that are losing money, however, have less ability to do those things.
KAHUKU fell short of the national average on Bankrate's earnings test, achieving a score of 0 out of a possible 30.
One sign that KAHUKU is lagging behind its peers in this area was its earnings ratio of -23.00 percent in our test, worse than the average for all credit unions.