Side-by-side · Q2 2026 data
Waialua Federal Credit Union vs Lanai Federal Credit Union
Metric by metric
| Measure | Waialua Federal Credit Union | Lanai Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 78 |
| Capital cushion | 100 (stronger) | 69 |
| Loan quality | 95 (stronger) | 71 |
| Earnings | 48 | 75 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 85th | 59th |
| Total assets | $47.4M | $38.2M |
| Deposits / shares | $39.0M | $33.6M |
| Capital ratio | 17.76% (stronger) | 11.89% |
| Problem loans | 0.16% (stronger) | 0.88% |
| Net charge-offs | -0.15% (stronger) | 0.16% |
| Return on assets | 0.70% | 1.37% (stronger) |
| Loans ÷ deposits | 48.2% | 16.9% (stronger) |
| Uninsured deposits | 1.9% | 0.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Waialua Federal Credit Union has the higher TellerScore (88 vs 78). On the 7 directional measures above (where higher or lower is clearly better), Waialua Federal Credit Union leads on 4 and Lanai Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.