How successful a credit union is at making money affects its safety and soundness. Earnings may be retained by the credit union, expanding its capital cushion, or be used to deal with problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's earnings test, WAIALUA scored 10 out of a possible 30, failing to reach the national average of 10.31.
WAIALUA had an earnings ratio of 5.00 percent in our test, above the average for all credit unions, an indication that it's outperforming its peers in this area.