Side-by-side · Q2 2026 data
Hawaii Community Federal Credit Union vs Gather Federal Credit Union
Credit union
Hawaii Community Federal Credit Union
Kailua Kona, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Hawaii Community Federal Credit Union | Gather Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 81 (stronger) |
| Capital cushion | 47 | 78 (stronger) |
| Loan quality | 56 | 67 (stronger) |
| Earnings | 41 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 92 (stronger) |
| Peer percentile | 21st | 80th |
| Total assets | $808.3M | $934.5M |
| Deposits / shares | $737.8M | $841.5M |
| Capital ratio | 9.65% | 12.81% (stronger) |
| Problem loans | 1.32% | 0.99% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.57% |
| Return on assets | 0.52% | 1.57% (stronger) |
| Loans ÷ deposits | 55.9% (stronger) | 57.6% |
| Uninsured deposits | 7.7% | 3.2% (stronger) |
| Offices | 10 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gather Federal Credit Union has the higher TellerScore (81 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Community Federal Credit Union leads on 2 and Gather Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.