Side-by-side · Q2 2026 data
Central Pacific Bank vs Hawaii Community Federal Credit Union
Credit union
Hawaii Community Federal Credit Union
Kailua Kona, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Central Pacific Bank | Hawaii Community Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 60 |
| Capital cushion | 46 | 47 (stronger) |
| Loan quality | 90 (stronger) | 56 |
| Earnings | 68 (stronger) | 41 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 95 (stronger) | 86 |
| Peer percentile | 44th | 21st |
| Total assets | $7.5B | $808.3M |
| Deposits / shares | $6.7B | $737.8M |
| Capital ratio | 9.60% | 9.65% (stronger) |
| Problem loans | 0.30% (stronger) | 1.32% |
| Net charge-offs | 0.19% (stronger) | 0.22% |
| Return on assets | 1.21% (stronger) | 0.52% |
| Loans ÷ deposits | 78.3% | 55.9% (stronger) |
| Uninsured deposits | 42.2% | 7.7% (stronger) |
| Offices | 27 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.8% | — |
Central Pacific Bank has the higher TellerScore (67 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Central Pacific Bank leads on 4 and Hawaii Community Federal Credit Union on 3. 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.