A credit union's earnings performance affects its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to address problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, diminish a credit union's ability to do those things.
WAILUKU scored 14 out of a possible 30 on Bankrate's test of earnings, exceeding the national average of 10.31.
One sign that WAILUKU is beating its peers in this area was its earnings ratio of 7.00 percent in our test, above the average for all credit unions.