Side-by-side · Q2 2026 data
Waialua Federal Credit Union vs Hawaii Central Federal Credit Union
Metric by metric
| Measure | Waialua Federal Credit Union | Hawaii Central Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 62 |
| Capital cushion | 100 (stronger) | 51 |
| Loan quality | 95 (stronger) | 52 |
| Earnings | 48 | 52 (stronger) |
| Funding & liquidity | 100 (stronger) | 97 |
| Problem-loan coverage | 99 (stronger) | 83 |
| Peer percentile | 85th | 26th |
| Total assets | $47.4M | $307.6M |
| Deposits / shares | $39.0M | $283.3M |
| Capital ratio | 17.76% (stronger) | 10.06% |
| Problem loans | 0.16% (stronger) | 1.43% |
| Net charge-offs | -0.15% (stronger) | 0.13% |
| Return on assets | 0.70% | 0.80% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 62.9% |
| Uninsured deposits | 1.9% (stronger) | 8.7% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 62). On the 7 directional measures above (where higher or lower is clearly better), Waialua Federal Credit Union leads on 6 and Hawaii Central Federal Credit Union on 1. 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.