Side-by-side · Q2 2026 data
Kauai Federal Credit Union vs Hawaii Central Federal Credit Union
Metric by metric
| Measure | Kauai Federal Credit Union | Hawaii Central Federal Credit Union |
|---|---|---|
| TellerScore | 36 | 62 (stronger) |
| Capital cushion | 38 | 51 (stronger) |
| Loan quality | 10 | 52 (stronger) |
| Earnings | 45 | 52 (stronger) |
| Funding & liquidity | 51 | 97 (stronger) |
| Problem-loan coverage | 50 | 83 (stronger) |
| Peer percentile | 1st | 26th |
| Total assets | $192.8M | $307.6M |
| Deposits / shares | $140.4M | $283.3M |
| Capital ratio | 8.75% | 10.06% (stronger) |
| Problem loans | 2.71% | 1.43% (stronger) |
| Net charge-offs | 0.20% | 0.13% (stronger) |
| Return on assets | 0.63% | 0.80% (stronger) |
| Loans ÷ deposits | 108.9% | 62.9% (stronger) |
| Uninsured deposits | 5.4% (stronger) | 8.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Hawaii Central Federal Credit Union has the higher TellerScore (62 vs 36). On the 7 directional measures above (where higher or lower is clearly better), Kauai Federal Credit Union leads on 1 and Hawaii Central Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.