How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, boosting its capital buffer, or use them to deal with problematic loans, likely making the credit union better able to withstand economic trouble. However, credit unions that are losing money have less ability to do those things.
H & H scored 2 out of a possible 30 on Bankrate's earnings test, failing to reach the national average of 10.11.
The credit union had an earnings ratio of 0.00 percent in our test, better than the average for all credit unions, a sign that it's doing better than its peers in this area.