Side-by-side · Q2 2026 data
Hawaii Community Federal Credit Union vs Pearl Hawaii 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 | Pearl Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 60 | 77 (stronger) |
| Capital cushion | 47 | 52 (stronger) |
| Loan quality | 56 | 86 (stronger) |
| Earnings | 41 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 86 | 96 (stronger) |
| Peer percentile | 21st | 71st |
| Total assets | $808.3M | $545.1M |
| Deposits / shares | $737.8M | $488.1M |
| Capital ratio | 9.65% | 10.19% (stronger) |
| Problem loans | 1.32% | 0.42% (stronger) |
| Net charge-offs | 0.22% (stronger) | 0.54% |
| Return on assets | 0.52% | 1.34% (stronger) |
| Loans ÷ deposits | 55.9% | 52.2% (stronger) |
| Uninsured deposits | 7.7% | 3.5% (stronger) |
| Offices | 10 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Community Federal Credit Union leads on 1 and Pearl Hawaii Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.