Side-by-side · Q2 2026 data
Ko`olau Federal Credit Union vs Garden Island Federal Credit Union
Metric by metric
| Measure | Ko`olau Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 75 (stronger) | 71 |
| Capital cushion | 44 | 87 (stronger) |
| Loan quality | 98 (stronger) | 55 |
| Earnings | 64 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 90 |
| Peer percentile | 66th | 54th |
| Total assets | $103.9M | $126.2M |
| Deposits / shares | $93.3M | $110.5M |
| Capital ratio | 9.45% | 13.72% (stronger) |
| Problem loans | 0.05% (stronger) | 1.35% |
| Net charge-offs | 0.29% (stronger) | 0.43% |
| Return on assets | 1.09% (stronger) | 0.39% |
| Loans ÷ deposits | 59.5% | 57.8% (stronger) |
| Uninsured deposits | 9.9% | 6.6% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ko`olau Federal Credit Union has the higher TellerScore (75 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Ko`olau 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.