How successful a credit union is at making money has an effect on its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to deal with problematic loans, likely making the credit union more resilient in times of trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
On Bankrate's earnings test, HARBOR scored 0 out of a possible 30, coming in below the national average of 10.31.
One sign that HARBOR is lagging behind its peers in this area was its earnings ratio of -6.00 percent in our test, lower than the average for all credit unions.