Side-by-side · Q2 2026 data
Hamakua Federal Credit Union vs CU Hawaii Federal Credit Union
Metric by metric
| Measure | Hamakua Federal Credit Union | CU Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 90 (stronger) | 74 |
| Capital cushion | 95 (stronger) | 60 |
| Loan quality | 87 | 89 (stronger) |
| Earnings | 77 (stronger) | 43 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 (stronger) | 97 |
| Peer percentile | 89th | 63rd |
| Total assets | $23.4M | $460.3M |
| Deposits / shares | $19.9M | $401.1M |
| Capital ratio | 14.53% (stronger) | 10.97% |
| Problem loans | 0.38% | 0.33% (stronger) |
| Net charge-offs | 0.02% (stronger) | 0.16% |
| Return on assets | 1.43% (stronger) | 0.58% |
| Loans ÷ deposits | 47.9% (stronger) | 52.9% |
| Uninsured deposits | 6.6% (stronger) | 8.7% |
| Offices | 1 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hamakua Federal Credit Union has the higher TellerScore (90 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Hamakua Federal Credit Union leads on 6 and CU Hawaii 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.