How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the credit union better prepared to withstand financial shocks. Conversely, losses reduce a credit union's ability to do those things.
WINDWARD COMMUNITY scored 10 out of a possible 30 on Bankrate's earnings test, lower than the national average of 10.31.
The credit union had an earnings ratio of 4.00 percent in our test, higher than the average for all credit unions, an indication that it's beating its peers in this area.