Side-by-side · Q2 2026 data
Honolulu Federal Credit Union vs Pearl Hawaii Federal Credit Union
Metric by metric
| Measure | Honolulu Federal Credit Union | Pearl Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 77 (stronger) |
| Capital cushion | 78 (stronger) | 52 |
| Loan quality | 55 | 86 (stronger) |
| Earnings | 67 | 74 (stronger) |
| Funding & liquidity | 73 | 100 (stronger) |
| Problem-loan coverage | 83 | 96 (stronger) |
| Peer percentile | 51st | 71st |
| Total assets | $423.3M | $545.1M |
| Deposits / shares | $365.3M | $488.1M |
| Capital ratio | 12.76% (stronger) | 10.19% |
| Problem loans | 1.36% | 0.42% (stronger) |
| Net charge-offs | 0.27% (stronger) | 0.54% |
| Return on assets | 1.17% | 1.34% (stronger) |
| Loans ÷ deposits | 87.1% | 52.2% (stronger) |
| Uninsured deposits | 9.3% | 3.5% (stronger) |
| Offices | 5 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 70). On the 7 directional measures above (where higher or lower is clearly better), Honolulu Federal Credit Union leads on 2 and Pearl Hawaii Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.