Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs Gather Federal Credit Union
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | Gather Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 52 | 78 (stronger) |
| Loan quality | 86 (stronger) | 67 |
| Earnings | 74 | 83 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 92 |
| Peer percentile | 71st | 80th |
| Total assets | $545.1M | $934.5M |
| Deposits / shares | $488.1M | $841.5M |
| Capital ratio | 10.19% | 12.81% (stronger) |
| Problem loans | 0.42% (stronger) | 0.99% |
| Net charge-offs | 0.54% (stronger) | 0.57% |
| Return on assets | 1.34% | 1.57% (stronger) |
| Loans ÷ deposits | 52.2% (stronger) | 57.6% |
| Uninsured deposits | 3.5% | 3.2% (stronger) |
| Offices | 4 | 7 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Gather Federal Credit Union has the higher TellerScore (81 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Pearl Hawaii Federal Credit Union leads on 3 and Gather Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.