Side-by-side · Q2 2026 data
Hawaii Federal Credit Union vs Garden Island Federal Credit Union
Metric by metric
| Measure | Hawaii Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 71 |
| Capital cushion | 100 (stronger) | 87 |
| Loan quality | 92 (stronger) | 55 |
| Earnings | 70 (stronger) | 36 |
| Funding & liquidity | 79 | 100 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 94th | 54th |
| Total assets | $104.0M | $126.2M |
| Deposits / shares | $86.5M | $110.5M |
| Capital ratio | 15.15% (stronger) | 13.72% |
| Problem loans | 0.23% (stronger) | 1.35% |
| Net charge-offs | 0.83% | 0.43% (stronger) |
| Return on assets | 1.25% (stronger) | 0.39% |
| Loans ÷ deposits | 81.6% | 57.8% (stronger) |
| Uninsured deposits | 12.8% | 6.6% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaii Federal Credit Union has the higher TellerScore (89 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Federal Credit Union leads on 4 and Garden Island Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.