Side-by-side · Q2 2026 data
Lokahi Federal Credit Union vs Pearl Hawaii Federal Credit Union
Metric by metric
| Measure | Lokahi Federal Credit Union | Pearl Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 77 (stronger) |
| Capital cushion | 45 | 52 (stronger) |
| Loan quality | 87 (stronger) | 86 |
| Earnings | 32 | 74 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 95 | 96 (stronger) |
| Peer percentile | 37th | 71st |
| Total assets | $701.9M | $545.1M |
| Deposits / shares | $624.0M | $488.1M |
| Capital ratio | 9.49% | 10.19% (stronger) |
| Problem loans | 0.39% (stronger) | 0.42% |
| Net charge-offs | 0.23% (stronger) | 0.54% |
| Return on assets | 0.29% | 1.34% (stronger) |
| Loans ÷ deposits | 61.3% | 52.2% (stronger) |
| Uninsured deposits | 7.5% | 3.5% (stronger) |
| Offices | 3 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lokahi Federal Credit Union leads on 2 and Pearl Hawaii Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.