Side-by-side · Q2 2026 data
Bank of Hawaii vs Garden Island Federal Credit Union
Metric by metric
| Measure | Bank of Hawaii | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 71 (stronger) |
| Capital cushion | 34 | 87 (stronger) |
| Loan quality | 94 (stronger) | 55 |
| Earnings | 61 (stronger) | 36 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 46th | 54th |
| Total assets | $23.8B | $126.2M |
| Deposits / shares | $21.0B | $110.5M |
| Capital ratio | 8.38% | 13.72% (stronger) |
| Problem loans | 0.18% (stronger) | 1.35% |
| Net charge-offs | 0.06% (stronger) | 0.43% |
| Return on assets | 1.03% (stronger) | 0.39% |
| Loans ÷ deposits | 67.5% | 57.8% (stronger) |
| Uninsured deposits | 47.2% | 6.6% (stronger) |
| Offices | 51 | 3 |
| CFPB complaints (3 yrs) | 126 | — |
| Complaints per $1B deposits | 6.0 | — |
| Mortgage denial rate (HMDA) | 33.7% | — |
Garden Island Federal Credit Union has the higher TellerScore (71 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hawaii leads on 3 and Garden Island Federal Credit Union on 4. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.