Side-by-side · Q2 2026 data
Pearl Hawaii Federal Credit Union vs Waialua Federal Credit Union
Metric by metric
| Measure | Pearl Hawaii Federal Credit Union | Waialua Federal Credit Union |
|---|---|---|
| TellerScore | 77 | 88 (stronger) |
| Capital cushion | 52 | 100 (stronger) |
| Loan quality | 86 | 95 (stronger) |
| Earnings | 74 (stronger) | 48 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 96 | 99 (stronger) |
| Peer percentile | 71st | 85th |
| Total assets | $545.1M | $47.4M |
| Deposits / shares | $488.1M | $39.0M |
| Capital ratio | 10.19% | 17.76% (stronger) |
| Problem loans | 0.42% | 0.16% (stronger) |
| Net charge-offs | 0.54% | -0.15% (stronger) |
| Return on assets | 1.34% (stronger) | 0.70% |
| Loans ÷ deposits | 52.2% | 48.2% (stronger) |
| Uninsured deposits | 3.5% | 1.9% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Pearl Hawaii Federal Credit Union leads on 1 and Waialua Federal Credit Union on 6. 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.