Side-by-side · Q2 2026 data
Finance Factors, Ltd. vs Waialua Federal Credit Union
Metric by metric
| Measure | Finance Factors, Ltd. | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 55 | 88 (stronger) |
| Capital cushion | 70 | 100 (stronger) |
| Loan quality | 26 | 95 (stronger) |
| Earnings | 45 | 48 (stronger) |
| Funding & liquidity | 74 | 100 (stronger) |
| Problem-loan coverage | 78 | 99 (stronger) |
| Peer percentile | 11th | 85th |
| Total assets | $683.7M | $47.4M |
| Deposits / shares | $519.3M | $39.0M |
| Capital ratio | 12.02% | 17.76% (stronger) |
| Problem loans | 2.23% | 0.16% (stronger) |
| Net charge-offs | -0.01% | -0.15% (stronger) |
| Return on assets | 0.62% | 0.70% (stronger) |
| Loans ÷ deposits | 86.0% | 48.2% (stronger) |
| Uninsured deposits | 7.6% | 1.9% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 55). On the 7 directional measures above (where higher or lower is clearly better), Finance Factors, Ltd. leads on 0 and Waialua Federal Credit Union on 7. 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.