Side-by-side · Q2 2026 data
Hawaii Federal Credit Union vs Wailuku Federal Credit Union
Metric by metric
| Measure | Hawaii Federal Credit Union | Wailuku Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 79 |
| Capital cushion | 100 (stronger) | 77 |
| Loan quality | 92 (stronger) | 61 |
| Earnings | 70 | 97 (stronger) |
| Funding & liquidity | 79 | 81 (stronger) |
| Problem-loan coverage | 98 (stronger) | 87 |
| Peer percentile | 94th | 76th |
| Total assets | $104.0M | $135.4M |
| Deposits / shares | $86.5M | $118.4M |
| Capital ratio | 15.15% (stronger) | 12.65% |
| Problem loans | 0.23% (stronger) | 1.18% |
| Net charge-offs | 0.83% | 0.15% (stronger) |
| Return on assets | 1.25% | 1.93% (stronger) |
| Loans ÷ deposits | 81.6% | 79.3% (stronger) |
| Uninsured deposits | 12.8% | 8.9% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaii Federal Credit Union has the higher TellerScore (89 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Federal Credit Union leads on 3 and Wailuku Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.