Side-by-side · Q2 2026 data
Ko`olau Federal Credit Union vs Wailuku Federal Credit Union
Metric by metric
| Measure | Ko`olau Federal Credit Union | Wailuku Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 79 (stronger) |
| Capital cushion | 44 | 77 (stronger) |
| Loan quality | 98 (stronger) | 61 |
| Earnings | 64 | 97 (stronger) |
| Funding & liquidity | 100 (stronger) | 81 |
| Problem-loan coverage | 99 (stronger) | 87 |
| Peer percentile | 66th | 76th |
| Total assets | $103.9M | $135.4M |
| Deposits / shares | $93.3M | $118.4M |
| Capital ratio | 9.45% | 12.65% (stronger) |
| Problem loans | 0.05% (stronger) | 1.18% |
| Net charge-offs | 0.29% | 0.15% (stronger) |
| Return on assets | 1.09% | 1.93% (stronger) |
| Loans ÷ deposits | 59.5% (stronger) | 79.3% |
| Uninsured deposits | 9.9% | 8.9% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Wailuku Federal Credit Union has the higher TellerScore (79 vs 75). On the 7 directional measures above (where higher or lower is clearly better), Ko`olau Federal Credit Union leads on 2 and Wailuku Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.