A credit union's ability to earn money affects its safety and soundness. Earnings may be retained by the credit union, giving a boost to its capital buffer, or be used to address problematic loans, likely making the credit union better able to withstand financial shocks. Losses, on the other hand, diminish a credit union's ability to do those things.
KAUAI GOVERNMENT EMPLOYEES beat the national average on Bankrate's test of earnings, achieving a score of 24 out of a possible 30.
The credit union had an earnings ratio of 16.00 percent in our test, higher than the average for all credit unions, suggesting that it's doing better than its peers in this area.