Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs Hawaii Central Federal Credit Union
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | Hawaii Central Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 62 |
| Capital cushion | 52 (stronger) | 51 |
| Loan quality | 86 (stronger) | 52 |
| Earnings | 74 (stronger) | 52 |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 96 (stronger) | 83 |
| Peer percentile | 71st | 26th |
| Total assets | $545.1M | $307.6M |
| Deposits / shares | $488.1M | $283.3M |
| Capital ratio | 10.19% (stronger) | 10.06% |
| Problem loans | 0.42% (stronger) | 1.43% |
| Net charge-offs | 0.54% | 0.13% (stronger) |
| Return on assets | 1.34% (stronger) | 0.80% |
| Loans ÷ deposits | 52.2% (stronger) | 62.9% |
| Uninsured deposits | 3.5% (stronger) | 8.7% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Pearl Hawaii Federal Credit Union leads on 6 and Hawaii Central Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.