A credit union's ability to earn money affects its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to deal with problematic loans, potentially making the credit union better prepared to withstand financial shocks. However, credit unions that are losing money are less able to do those things.
HAMAKUA COAST COMMUNITY did below-average on Bankrate's earnings test, achieving a score of 4 out of a possible 30.
One sign that HAMAKUA COAST COMMUNITY is beating its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.