Side-by-side · Q2 2026 data
Hawaii State Federal Credit Union vs Wailuku Federal Credit Union
Metric by metric
| Measure | Hawaii State Federal Credit Union | Wailuku Federal Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 50 | 77 (stronger) |
| Loan quality | 64 (stronger) | 61 |
| Earnings | 83 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 88 (stronger) | 87 |
| Peer percentile | 62nd | 76th |
| Total assets | $2.9B | $135.4M |
| Deposits / shares | $2.5B | $118.4M |
| Capital ratio | 9.98% | 12.65% (stronger) |
| Problem loans | 1.07% (stronger) | 1.18% |
| Net charge-offs | 0.18% | 0.15% (stronger) |
| Return on assets | 1.57% | 1.93% (stronger) |
| Loans ÷ deposits | 59.6% (stronger) | 79.3% |
| Uninsured deposits | 3.5% (stronger) | 8.9% |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 33.2% | — |
Wailuku Federal Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Hawaii State Federal Credit Union leads on 3 and Wailuku Federal Credit Union on 4. 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.