Side-by-side · Q2 2026 data
Hawaii State Federal Credit Union vs Waialua Federal Credit Union
Metric by metric
| Measure | Hawaii State Federal Credit Union | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 88 (stronger) |
| Capital cushion | 50 | 100 (stronger) |
| Loan quality | 64 | 95 (stronger) |
| Earnings | 83 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 62nd | 85th |
| Total assets | $2.9B | $47.4M |
| Deposits / shares | $2.5B | $39.0M |
| Capital ratio | 9.98% | 17.76% (stronger) |
| Problem loans | 1.07% | 0.16% (stronger) |
| Net charge-offs | 0.18% | -0.15% (stronger) |
| Return on assets | 1.57% (stronger) | 0.70% |
| Loans ÷ deposits | 59.6% | 48.2% (stronger) |
| Uninsured deposits | 3.5% | 1.9% (stronger) |
| Offices | 14 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hawaii State Federal Credit Union leads on 1 and Waialua Federal Credit Union on 6. 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.