Side-by-side · Q2 2026 data
Big Island Federal Credit Union vs Valley Isle Community Federal Credit Union
Credit union
Valley Isle Community Federal Credit Union
Kahului, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Big Island Federal Credit Union | Valley Isle Community Federal Credit Union |
|---|---|---|
| TellerScore | 71 (stronger) | 68 |
| Capital cushion | 43 | 43 |
| Loan quality | 95 (stronger) | 85 |
| Earnings | 48 (stronger) | 46 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 54th | 45th |
| Total assets | $194.5M | $174.1M |
| Deposits / shares | $175.3M | $160.9M |
| Capital ratio | 9.30% (stronger) | 9.26% |
| Problem loans | 0.16% (stronger) | 0.44% |
| Net charge-offs | 0.29% (stronger) | 0.60% |
| Return on assets | 0.70% (stronger) | 0.66% |
| Loans ÷ deposits | 24.3% (stronger) | 37.6% |
| Uninsured deposits | 5.8% (stronger) | 6.8% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Big Island Federal Credit Union has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Big Island Federal Credit Union leads on 7 and Valley Isle Community Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.