Side-by-side · Q2 2026 data
Hawaii Law Enforcement Federal Credit Union vs Waialua Federal Credit Union
Credit union
Hawaii Law Enforcement Federal Credit Union
Honolulu, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Hawaii Law Enforcement Federal Credit Union | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 78 | 88 (stronger) |
| Capital cushion | 82 | 100 (stronger) |
| Loan quality | 83 | 95 (stronger) |
| Earnings | 42 | 48 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 74th | 85th |
| Total assets | $230.3M | $47.4M |
| Deposits / shares | $201.5M | $39.0M |
| Capital ratio | 13.17% | 17.76% (stronger) |
| Problem loans | 0.50% | 0.16% (stronger) |
| Net charge-offs | 0.16% | -0.15% (stronger) |
| Return on assets | 0.54% | 0.70% (stronger) |
| Loans ÷ deposits | 55.6% | 48.2% (stronger) |
| Uninsured deposits | 1.9% | 1.9% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Law Enforcement Federal Credit Union leads on 0 and Waialua Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.