A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital cushion, or put them to work addressing problematic loans, likely making the credit union more resilient in times of trouble. Conversely, losses diminish a credit union's ability to do those things.
WEST OAHU COMMUNITY did above-average on Bankrate's earnings test, achieving a score of 14 out of a possible 30.
The credit union had an earnings ratio of 7.00 percent in our test, above the average for all credit unions, suggesting that it's running ahead of its peers in this area.