Side-by-side · Q2 2026 data
Hawaiian Electric Employees Federal Credit Union vs Pearl Hawaii Federal Credit Union
Credit union
Hawaiian Electric Employees Federal Credit Union
Honolulu, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Hawaiian Electric Employees Federal Credit Union | Pearl Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 83 (stronger) | 77 |
| Capital cushion | 100 (stronger) | 52 |
| Loan quality | 66 | 86 (stronger) |
| Earnings | 59 | 74 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 72nd | 71st |
| Total assets | $37.1M | $545.1M |
| Deposits / shares | $30.1M | $488.1M |
| Capital ratio | 18.38% (stronger) | 10.19% |
| Problem loans | 1.02% | 0.42% (stronger) |
| Net charge-offs | 0.12% (stronger) | 0.54% |
| Return on assets | 0.99% | 1.34% (stronger) |
| Loans ÷ deposits | 51.6% (stronger) | 52.2% |
| Uninsured deposits | 1.7% (stronger) | 3.5% |
| Offices | 2 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaiian Electric Employees Federal Credit Union has the higher TellerScore (83 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Hawaiian Electric Employees Federal Credit Union leads on 5 and Pearl Hawaii Federal Credit Union on 2. 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.