Side-by-side · Q2 2026 data
Valley Isle Community Federal Credit Union vs Kahului 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 | Kahului Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 82 (stronger) |
| Capital cushion | 43 | 89 (stronger) |
| Loan quality | 85 | 96 (stronger) |
| Earnings | 46 (stronger) | 30 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 | 99 (stronger) |
| Peer percentile | 45th | 70th |
| Total assets | $174.1M | $78.8M |
| Deposits / shares | $160.9M | $66.9M |
| Capital ratio | 9.26% | 13.90% (stronger) |
| Problem loans | 0.44% | 0.13% (stronger) |
| Net charge-offs | 0.60% | -0.01% (stronger) |
| Return on assets | 0.66% (stronger) | 0.25% |
| Loans ÷ deposits | 37.6% (stronger) | 40.2% |
| Uninsured deposits | 6.8% | 6.4% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Kahului Federal Credit Union has the higher TellerScore (82 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Valley Isle Community Federal Credit Union leads on 2 and Kahului Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.