Side-by-side · Q2 2026 data
Central Pacific Bank vs Garden Island Federal Credit Union
Metric by metric
| Measure | Central Pacific Bank | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 71 (stronger) |
| Capital cushion | 46 | 87 (stronger) |
| Loan quality | 90 (stronger) | 55 |
| Earnings | 68 (stronger) | 36 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 90 |
| Peer percentile | 44th | 54th |
| Total assets | $7.5B | $126.2M |
| Deposits / shares | $6.7B | $110.5M |
| Capital ratio | 9.60% | 13.72% (stronger) |
| Problem loans | 0.30% (stronger) | 1.35% |
| Net charge-offs | 0.19% (stronger) | 0.43% |
| Return on assets | 1.21% (stronger) | 0.39% |
| Loans ÷ deposits | 78.3% | 57.8% (stronger) |
| Uninsured deposits | 42.2% | 6.6% (stronger) |
| Offices | 27 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.8% | — |
Garden Island Federal Credit Union has the higher TellerScore (71 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Central Pacific Bank 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.