A credit union's profitability has an effect on its long-term survivability. Earnings can be retained by the credit union, increasing its capital buffer, or be used to deal with problematic loans, potentially making the credit union more resilient in tough times. Losses, on the other hand, reduce a credit union's ability to do those things.
On Bankrate's test of earnings, WEST OAHU COMMUNITY scored 0 out of a possible 30, less than the national average of 10.11.
The credit union had an earnings ratio of -1.00 percent in our test, higher than the average for all credit unions, suggesting that it's outperforming its peers in this area.