Side-by-side · Q2 2026 data
Honolulu Federal Credit Union vs Hawaii Central Federal Credit Union
Metric by metric
| Measure | Honolulu Federal Credit Union | Hawaii Central Federal Credit Union |
|---|---|---|
| TellerScore | 70 (stronger) | 62 |
| Capital cushion | 78 (stronger) | 51 |
| Loan quality | 55 (stronger) | 52 |
| Earnings | 67 (stronger) | 52 |
| Funding & liquidity | 73 | 97 (stronger) |
| Problem-loan coverage | 83 | 83 |
| Peer percentile | 51st | 26th |
| Total assets | $423.3M | $307.6M |
| Deposits / shares | $365.3M | $283.3M |
| Capital ratio | 12.76% (stronger) | 10.06% |
| Problem loans | 1.36% (stronger) | 1.43% |
| Net charge-offs | 0.27% | 0.13% (stronger) |
| Return on assets | 1.17% (stronger) | 0.80% |
| Loans ÷ deposits | 87.1% | 62.9% (stronger) |
| Uninsured deposits | 9.3% | 8.7% (stronger) |
| Offices | 5 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Honolulu Federal Credit Union has the higher TellerScore (70 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Honolulu Federal Credit Union leads on 4 and Hawaii Central Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.