Side-by-side · Q2 2026 data
Valley Isle Community Federal Credit Union vs Hawaii Central Federal Credit Union
Credit union
Valley Isle Community Federal Credit Union
Kahului, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Valley Isle Community Federal Credit Union | Hawaii Central Federal Credit Union |
|---|---|---|
| TellerScore | 68 (stronger) | 62 |
| Capital cushion | 43 | 51 (stronger) |
| Loan quality | 85 (stronger) | 52 |
| Earnings | 46 | 52 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 97 (stronger) | 83 |
| Peer percentile | 45th | 26th |
| Total assets | $174.1M | $307.6M |
| Deposits / shares | $160.9M | $283.3M |
| Capital ratio | 9.26% | 10.06% (stronger) |
| Problem loans | 0.44% (stronger) | 1.43% |
| Net charge-offs | 0.60% | 0.13% (stronger) |
| Return on assets | 0.66% | 0.80% (stronger) |
| Loans ÷ deposits | 37.6% (stronger) | 62.9% |
| Uninsured deposits | 6.8% (stronger) | 8.7% |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Valley Isle Community Federal Credit Union has the higher TellerScore (68 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Valley Isle Community Federal Credit Union leads on 4 and Hawaii Central Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.