Side-by-side · Q2 2026 data
First Hawaiian Bank vs Kauai Ohana Federal Credit Union
Metric by metric
| Measure | First Hawaiian Bank | Kauai Ohana Federal Credit Union |
|---|---|---|
| TellerScore | 67 (stronger) | 63 |
| Capital cushion | 44 (stronger) | 36 |
| Loan quality | 90 (stronger) | 80 |
| Earnings | 70 (stronger) | 42 |
| Funding & liquidity | 52 | 98 (stronger) |
| Problem-loan coverage | 97 (stronger) | 88 |
| Peer percentile | 63rd | 26th |
| Total assets | $23.6B | $63.3M |
| Deposits / shares | $20.2B | $57.9M |
| Capital ratio | 9.44% (stronger) | 8.61% |
| Problem loans | 0.30% (stronger) | 0.59% |
| Net charge-offs | 0.13% | -0.13% (stronger) |
| Return on assets | 1.25% (stronger) | 0.55% |
| Loans ÷ deposits | 71.5% | 62.2% (stronger) |
| Uninsured deposits | 48.4% | 0.0% (stronger) |
| Offices | 49 | 2 |
| CFPB complaints (3 yrs) | 114 | — |
| Complaints per $1B deposits | 5.7 | — |
| Mortgage denial rate (HMDA) | 24.2% | — |
First Hawaiian Bank has the higher TellerScore (67 vs 63). On the 7 directional measures above (where higher or lower is clearly better), First Hawaiian Bank leads on 4 and Kauai Ohana 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.