Side-by-side · Q2 2026 data
Central Pacific Bank vs Hawaii Schools Federal Credit Union
Credit union
Hawaii Schools Federal Credit Union
Honolulu, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Central Pacific Bank | Hawaii Schools Federal Credit Union |
|---|---|---|
| TellerScore | 67 | 83 (stronger) |
| Capital cushion | 46 | 82 (stronger) |
| Loan quality | 90 | 94 (stronger) |
| Earnings | 68 (stronger) | 52 |
| Funding & liquidity | 52 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 44th | 72nd |
| Total assets | $7.5B | $78.9M |
| Deposits / shares | $6.7B | $68.2M |
| Capital ratio | 9.60% | 13.24% (stronger) |
| Problem loans | 0.30% | 0.18% (stronger) |
| Net charge-offs | 0.19% | -0.06% (stronger) |
| Return on assets | 1.21% (stronger) | 0.80% |
| Loans ÷ deposits | 78.3% | 33.7% (stronger) |
| Uninsured deposits | 42.2% | 5.8% (stronger) |
| Offices | 27 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.8% | — |
Hawaii Schools Federal Credit Union has the higher TellerScore (83 vs 67). On the 7 directional measures above (where higher or lower is clearly better), Central Pacific Bank leads on 1 and Hawaii Schools 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.