Side-by-side · Q2 2026 data
Central Pacific Bank vs Kauai Federal Credit Union
Metric by metric
| Measure | Central Pacific Bank | Kauai Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 36 |
| Capital cushion | 46 (stronger) | 38 |
| Loan quality | 90 (stronger) | 10 |
| Earnings | 68 (stronger) | 45 |
| Funding & liquidity | 52 (stronger) | 51 |
| Problem-loan coverage | 95 (stronger) | 50 |
| Peer percentile | 44th | 1st |
| Total assets | $7.5B | $192.8M |
| Deposits / shares | $6.7B | $140.4M |
| Capital ratio | 9.60% (stronger) | 8.75% |
| Problem loans | 0.30% (stronger) | 2.71% |
| Net charge-offs | 0.19% (stronger) | 0.20% |
| Return on assets | 1.21% (stronger) | 0.63% |
| Loans ÷ deposits | 78.3% (stronger) | 108.9% |
| Uninsured deposits | 42.2% | 5.4% (stronger) |
| Offices | 27 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.8% | — |
Central Pacific Bank has the higher TellerScore (67 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Central Pacific Bank leads on 6 and Kauai Federal Credit Union on 1. 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.