Side-by-side · Q2 2026 data
Waialua Federal Credit Union vs Hawaii First Federal Credit Union
Credit union
Hawaii First Federal Credit Union
Kamuela, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Waialua Federal Credit Union | Hawaii First Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 41 |
| Capital cushion | 100 (stronger) | 48 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 48 | 56 (stronger) |
| Funding & liquidity | 100 (stronger) | 84 |
| Problem-loan coverage | 99 (stronger) | 32 |
| Peer percentile | 85th | 3rd |
| Total assets | $47.4M | $73.4M |
| Deposits / shares | $39.0M | $63.2M |
| Capital ratio | 17.76% (stronger) | 9.78% |
| Problem loans | 0.16% (stronger) | 3.68% |
| Net charge-offs | -0.15% (stronger) | 1.29% |
| Return on assets | 0.70% | 0.90% (stronger) |
| Loans ÷ deposits | 48.2% (stronger) | 76.6% |
| Uninsured deposits | 1.9% (stronger) | 7.7% |
| 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 41). On the 7 directional measures above (where higher or lower is clearly better), Waialua Federal Credit Union leads on 6 and Hawaii First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.