Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs University of Hawaii Federal Credit Union
Credit union
University of Hawaii Federal Credit Union
Honolulu, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | University of Hawaii Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 81 (stronger) |
| Capital cushion | 52 | 64 (stronger) |
| Loan quality | 86 | 90 (stronger) |
| Earnings | 74 (stronger) | 73 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 (stronger) | 95 |
| Peer percentile | 71st | 80th |
| Total assets | $545.1M | $975.7M |
| Deposits / shares | $488.1M | $895.9M |
| Capital ratio | 10.19% | 11.43% (stronger) |
| Problem loans | 0.42% | 0.30% (stronger) |
| Net charge-offs | 0.54% | 0.18% (stronger) |
| Return on assets | 1.34% (stronger) | 1.31% |
| Loans ÷ deposits | 52.2% | 43.5% (stronger) |
| Uninsured deposits | 3.5% (stronger) | 10.1% |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 7.8% |
University of Hawaii 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 2 and University of Hawaii Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.