How successful a credit union is at earning money has an effect on its long-term survivability. A credit union can retain its earnings, giving a boost to its capital cushion, or put them to work addressing problematic loans, likely making the credit union better prepared to withstand financial trouble. Losses, on the other hand, lessen a credit union's ability to do those things.
NAHEOLA exceeded the national average on Bankrate's test of earnings, achieving a score of 14 out of a possible 30.
One indication that the credit union is running ahead of its peers in this area was its earnings ratio of 0.00 percent in our test, better than the average for all credit unions.