Side-by-side · Q2 2026 data
Bank of Hawaii vs Waialua Federal Credit Union
Metric by metric
| Measure | Bank of Hawaii | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 88 (stronger) |
| Capital cushion | 34 | 100 (stronger) |
| Loan quality | 94 | 95 (stronger) |
| Earnings | 61 (stronger) | 48 |
| Funding & liquidity | 57 | 100 (stronger) |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 46th | 85th |
| Total assets | $23.8B | $47.4M |
| Deposits / shares | $21.0B | $39.0M |
| Capital ratio | 8.38% | 17.76% (stronger) |
| Problem loans | 0.18% | 0.16% (stronger) |
| Net charge-offs | 0.06% | -0.15% (stronger) |
| Return on assets | 1.03% (stronger) | 0.70% |
| Loans ÷ deposits | 67.5% | 48.2% (stronger) |
| Uninsured deposits | 47.2% | 1.9% (stronger) |
| Offices | 51 | 1 |
| CFPB complaints (3 yrs) | 126 | — |
| Complaints per $1B deposits | 6.0 | — |
| Mortgage denial rate (HMDA) | 33.7% | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Hawaii leads on 1 and Waialua Federal Credit Union on 6. 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.