How successful a credit union is at earning money affects its safety and soundness. A credit union can retain its earnings, giving a boost to its capital cushion, or use them to address problematic loans, likely making the credit union more resilient in times of 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 scored 14 out of a possible 30, beating out the national average of 10.11.
One sign that HAWAII is doing better than its peers in this area was its earnings ratio of 0.00 percent in our test, higher than the average for all credit unions.