A credit union's earnings performance has an effect on its long-term survivability. A credit union can retain its earnings, expanding its capital buffer, or use them to address problematic loans, likely making the credit union better able to withstand economic shocks. Credit unions that are losing money, however, have less ability to do those things.
On Bankrate's test of earnings, HAWAII COUNTY EMPLOYEES scored 10 out of a possible 30, failing to reach the national average of 10.11.
One indication that HAWAII COUNTY EMPLOYEES is outperforming its peers in this area was its earnings ratio of 0.00 percent in our test, above the average for all credit unions.