How successful a credit union is at earning money has an effect on its long-term survivability. Earnings may be retained by the credit union, giving a boost to its capital cushion, or be used to deal with problematic loans, likely making the credit union better able to withstand financial trouble. Losses, on the other hand, take away from a credit union's ability to do those things.
On Bankrate's test of earnings, HAWAII NATIONAL GUARD scored 0 out of a possible 30, below the national average of 10.31.
HAWAII NATIONAL GUARD had an earnings ratio of -52.00 percent in our test, worse than the average for all credit unions, suggesting that it's lagging behind its peers in this area.