A credit union's ability to earn money has an effect on its safety and soundness. 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 prepared to withstand economic trouble. Obviously, credit unions that are losing money have less ability to do those things.
HAWAIIAN TEL scored 16 out of a possible 30 on Bankrate's test of earnings, beating out the national average of 10.11.
One sign that HAWAIIAN TEL 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.