Side-by-side · Q2 2026 data
The State Bank of Pearl City vs Blackhawk Area Credit Union
Metric by metric
| Measure | The State Bank of Pearl City | Blackhawk Area Credit Union |
|---|---|---|
| TellerScore | 71 | 79 (stronger) |
| Capital cushion | 63 | 84 (stronger) |
| Loan quality | 77 | 96 (stronger) |
| Earnings | 48 (stronger) | 45 |
| Funding & liquidity | 93 (stronger) | 71 |
| Problem-loan coverage | 94 | 98 (stronger) |
| Peer percentile | 42nd | 62nd |
| Total assets | $73.4M | $39.1M |
| Deposits / shares | $65.7M | $34.5M |
| Capital ratio | 11.31% | 13.41% (stronger) |
| Problem loans | 0.69% | 0.13% (stronger) |
| Net charge-offs | -0.22% (stronger) | 0.09% |
| Return on assets | 0.71% (stronger) | 0.62% |
| Loans ÷ deposits | 48.4% (stronger) | 89.3% |
| Uninsured deposits | 21.6% | 0.0% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Blackhawk Area Credit Union has the higher TellerScore (79 vs 71). On the 7 directional measures above (where higher or lower is clearly better), The State Bank of Pearl City leads on 3 and Blackhawk Area Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.