Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs Kahuku Federal Credit Union
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | Kahuku Federal Credit Union |
|---|---|---|
| TellerScore | 77 (stronger) | 40 |
| Capital cushion | 52 | 90 (stronger) |
| Loan quality | 86 (stronger) | 0 |
| Earnings | 74 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 75 |
| Problem-loan coverage | 96 (stronger) | 22 |
| Peer percentile | 71st | 3rd |
| Total assets | $545.1M | $7.7M |
| Deposits / shares | $488.1M | $6.6M |
| Capital ratio | 10.19% | 14.03% (stronger) |
| Problem loans | 0.42% (stronger) | 9.24% |
| Net charge-offs | 0.54% (stronger) | 3.66% |
| Return on assets | 1.34% (stronger) | -4.36% |
| Loans ÷ deposits | 52.2% (stronger) | 85.3% |
| Uninsured deposits | 3.5% | 2.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Hawaii Federal Credit Union has the higher TellerScore (77 vs 40). On the 7 directional measures above (where higher or lower is clearly better), Pearl Hawaii Federal Credit Union leads on 5 and Kahuku Federal Credit Union on 2. 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.