Side-by-side · Q2 2026 data
Hawaii County Employees Federal Credit Union vs Garden Island Federal Credit Union
Credit union
Hawaii County Employees Federal Credit Union
Hilo, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Hawaii County Employees Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 93 (stronger) | 55 |
| Earnings | 74 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 97th | 54th |
| Total assets | $148.0M | $126.2M |
| Deposits / shares | $124.7M | $110.5M |
| Capital ratio | 15.17% (stronger) | 13.72% |
| Problem loans | 0.21% (stronger) | 1.35% |
| Net charge-offs | 0.02% (stronger) | 0.43% |
| Return on assets | 1.36% (stronger) | 0.39% |
| Loans ÷ deposits | 36.6% (stronger) | 57.8% |
| Uninsured deposits | 0.0% (stronger) | 6.6% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaii County Employees Federal Credit Union has the higher TellerScore (93 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hawaii County Employees Federal Credit Union leads on 7 and Garden Island Federal Credit Union on 0. Deposits are insured up to $250,000 per depositor, per ownership category, at both.