Side-by-side · Q2 2026 data
Ko`olau Federal Credit Union vs University of Hawaii Federal Credit Union
Credit union
University of Hawaii Federal Credit Union
Honolulu, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Ko`olau Federal Credit Union | University of Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 81 (stronger) |
| Capital cushion | 44 | 64 (stronger) |
| Loan quality | 98 (stronger) | 90 |
| Earnings | 64 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 95 |
| Peer percentile | 66th | 80th |
| Total assets | $103.9M | $975.7M |
| Deposits / shares | $93.3M | $895.9M |
| Capital ratio | 9.45% | 11.43% (stronger) |
| Problem loans | 0.05% (stronger) | 0.30% |
| Net charge-offs | 0.29% | 0.18% (stronger) |
| Return on assets | 1.09% | 1.31% (stronger) |
| Loans ÷ deposits | 59.5% | 43.5% (stronger) |
| Uninsured deposits | 9.9% (stronger) | 10.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
University of Hawaii Federal Credit Union has the higher TellerScore (81 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Ko`olau Federal Credit Union leads on 2 and University of Hawaii Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.