Side-by-side · Q2 2026 data
Lokahi Federal Credit Union vs Waialua Federal Credit Union
Metric by metric
| Measure | Lokahi Federal Credit Union | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 88 (stronger) |
| Capital cushion | 45 | 100 (stronger) |
| Loan quality | 87 | 95 (stronger) |
| Earnings | 32 | 48 (stronger) |
| Funding & liquidity | 99 | 100 (stronger) |
| Problem-loan coverage | 95 | 99 (stronger) |
| Peer percentile | 37th | 85th |
| Total assets | $701.9M | $47.4M |
| Deposits / shares | $624.0M | $39.0M |
| Capital ratio | 9.49% | 17.76% (stronger) |
| Problem loans | 0.39% | 0.16% (stronger) |
| Net charge-offs | 0.23% | -0.15% (stronger) |
| Return on assets | 0.29% | 0.70% (stronger) |
| Loans ÷ deposits | 61.3% | 48.2% (stronger) |
| Uninsured deposits | 7.5% | 1.9% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Lokahi Federal Credit Union leads on 0 and Waialua Federal Credit Union on 7. 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.