Side-by-side · Q2 2026 data
Waialua Federal Credit Union vs Kahului Federal Credit Union
Metric by metric
| Measure | Waialua Federal Credit Union | Kahului Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 82 |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 95 | 96 (stronger) |
| Earnings | 48 (stronger) | 30 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 85th | 70th |
| Total assets | $47.4M | $78.8M |
| Deposits / shares | $39.0M | $66.9M |
| Capital ratio | 17.76% (stronger) | 13.90% |
| Problem loans | 0.16% | 0.13% (stronger) |
| Net charge-offs | -0.15% (stronger) | -0.01% |
| Return on assets | 0.70% (stronger) | 0.25% |
| Loans ÷ deposits | 48.2% | 40.2% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 6.4% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 82). On the 7 directional measures above (where higher or lower is clearly better), Waialua Federal Credit Union leads on 5 and Kahului Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.