Side-by-side · Q2 2026 data
Hawaii Schools Federal Credit Union vs Ko`olau 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 | Ko`olau Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 75 |
| Capital cushion | 82 (stronger) | 44 |
| Loan quality | 94 | 98 (stronger) |
| Earnings | 52 | 64 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 72nd | 66th |
| Total assets | $78.9M | $103.9M |
| Deposits / shares | $68.2M | $93.3M |
| Capital ratio | 13.24% (stronger) | 9.45% |
| Problem loans | 0.18% | 0.05% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.29% |
| Return on assets | 0.80% | 1.09% (stronger) |
| Loans ÷ deposits | 33.7% (stronger) | 59.5% |
| Uninsured deposits | 5.8% (stronger) | 9.9% |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaii Schools Federal Credit Union has the higher TellerScore (83 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Hawaii Schools Federal Credit Union leads on 5 and Ko`olau Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.