Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs CU Hawaii Federal Credit Union
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | CU Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 74 |
| Capital cushion | 52 | 60 (stronger) |
| Loan quality | 86 | 89 (stronger) |
| Earnings | 74 (stronger) | 43 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 97 (stronger) |
| Peer percentile | 71st | 63rd |
| Total assets | $545.1M | $460.3M |
| Deposits / shares | $488.1M | $401.1M |
| Capital ratio | 10.19% | 10.97% (stronger) |
| Problem loans | 0.42% | 0.33% (stronger) |
| Net charge-offs | 0.54% | 0.16% (stronger) |
| Return on assets | 1.34% (stronger) | 0.58% |
| Loans ÷ deposits | 52.2% (stronger) | 52.9% |
| Uninsured deposits | 3.5% (stronger) | 8.7% |
| Offices | 4 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Pearl Hawaii Federal Credit Union leads on 4 and CU Hawaii Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.