Side-by-side · Q2 2026 data
Hawaii State Federal Credit Union vs Kahului Federal Credit Union
Metric by metric
| Measure | Hawaii State Federal Credit Union | Kahului Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 82 (stronger) |
| Capital cushion | 50 | 89 (stronger) |
| Loan quality | 64 | 96 (stronger) |
| Earnings | 83 (stronger) | 30 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 62nd | 70th |
| Total assets | $2.9B | $78.8M |
| Deposits / shares | $2.5B | $66.9M |
| Capital ratio | 9.98% | 13.90% (stronger) |
| Problem loans | 1.07% | 0.13% (stronger) |
| Net charge-offs | 0.18% | -0.01% (stronger) |
| Return on assets | 1.57% (stronger) | 0.25% |
| Loans ÷ deposits | 59.6% | 40.2% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 6.4% |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | — |
Kahului Federal Credit Union has the higher TellerScore (82 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hawaii State Federal Credit Union leads on 2 and Kahului Federal Credit Union on 5. 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.