A credit union's profitability affects its long-term survivability. A credit union can retain its earnings, increasing its capital buffer, or use them to address problematic loans, potentially making the credit union more resilient in tough times. Conversely, losses diminish a credit union's ability to do those things.
On Bankrate's earnings test, KAMEHAMEHA scored 2 out of a possible 30, falling short of the national average of 10.11.
One sign that KAMEHAMEHA is beating its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.