Side-by-side · Q2 2026 data
Kauai Ohana Federal Credit Union vs Garden Island Federal Credit Union
Metric by metric
| Measure | Kauai Ohana Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 63 | 71 (stronger) |
| Capital cushion | 36 | 87 (stronger) |
| Loan quality | 80 (stronger) | 55 |
| Earnings | 42 (stronger) | 36 |
| Funding & liquidity | 98 | 100 (stronger) |
| Problem-loan coverage | 88 | 90 (stronger) |
| Peer percentile | 26th | 54th |
| Total assets | $63.3M | $126.2M |
| Deposits / shares | $57.9M | $110.5M |
| Capital ratio | 8.61% | 13.72% (stronger) |
| Problem loans | 0.59% (stronger) | 1.35% |
| Net charge-offs | -0.13% (stronger) | 0.43% |
| Return on assets | 0.55% (stronger) | 0.39% |
| Loans ÷ deposits | 62.2% | 57.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 6.6% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Garden Island Federal Credit Union has the higher TellerScore (71 vs 63). On the 7 directional measures above (where higher or lower is clearly better), Kauai Ohana Federal Credit Union leads on 4 and Garden Island Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.