How successful a credit union is at earning money has an effect on its safety and soundness. A credit union can retain its earnings, increasing its capital cushion, or put them to work addressing 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.
PEARL HAWAII scored 8 out of a possible 30 on Bankrate's test of earnings, below the national average of 10.11.
One sign that PEARL 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.