Side-by-side · Q2 2026 data
Hawaii State Federal Credit Union vs Hawaii Federal Credit Union
Metric by metric
| Measure | Hawaii State Federal Credit Union | Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 89 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 64 | 92 (stronger) |
| Earnings | 83 (stronger) | 70 |
| Funding & liquidity | 100 (stronger) | 79 |
| Problem-loan coverage | 88 | 98 (stronger) |
| Peer percentile | 62nd | 94th |
| Total assets | $2.9B | $104.0M |
| Deposits / shares | $2.5B | $86.5M |
| Capital ratio | 9.98% | 15.15% (stronger) |
| Problem loans | 1.07% | 0.23% (stronger) |
| Net charge-offs | 0.18% (stronger) | 0.83% |
| Return on assets | 1.57% (stronger) | 1.25% |
| Loans ÷ deposits | 59.6% (stronger) | 81.6% |
| Uninsured deposits | 3.5% (stronger) | 12.8% |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | — |
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 State Federal Credit Union leads on 4 and Hawaii Federal Credit Union on 3. 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.