Side-by-side · Q2 2026 data
Hawaii Schools Federal Credit Union vs Hawaiiusa Federal Credit Union
Credit union
Hawaii Schools Federal Credit Union
Honolulu, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Hawaii Schools Federal Credit Union | Hawaiiusa Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 73 |
| Capital cushion | 82 (stronger) | 56 |
| Loan quality | 94 (stronger) | 87 |
| Earnings | 52 | 54 (stronger) |
| Funding & liquidity | 100 (stronger) | 94 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 72nd | 70th |
| Total assets | $78.9M | $2.7B |
| Deposits / shares | $68.2M | $2.4B |
| Capital ratio | 13.24% (stronger) | 10.63% |
| Problem loans | 0.18% (stronger) | 0.39% |
| Net charge-offs | -0.06% (stronger) | 0.34% |
| Return on assets | 0.80% | 0.85% (stronger) |
| Loans ÷ deposits | 33.7% (stronger) | 66.5% |
| Uninsured deposits | 5.8% (stronger) | 9.5% |
| Offices | 1 | 9 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 42.6% |
Hawaii Schools Federal Credit Union has the higher TellerScore (83 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Schools Federal Credit Union leads on 6 and Hawaiiusa Federal Credit Union on 1. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.