A credit union's ability to earn money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital buffer, or put them to work addressing problematic loans, potentially making the credit union better able to withstand economic trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
PEARL HAWAII did below-average on Bankrate's earnings test, achieving a score of 10 out of a possible 30.
One indication that PEARL HAWAII is running ahead of its peers in this area was its earnings ratio of 4.00 percent in our test, above the average for all credit unions.