Side-by-side · Q2 2026 data
Waialua Federal Credit Union vs Molokai Community Federal Credit Union
Credit union
Molokai Community Federal Credit Union
Kaunakakai, Hawaii · Under $100 million in assets
Metric by metric
| Measure | Waialua Federal Credit Union | Molokai Community Federal Credit Union |
|---|---|---|
| TellerScore | 88 (stronger) | 68 |
| Capital cushion | 100 | 100 |
| Loan quality | 95 (stronger) | 0 |
| Earnings | 48 | 73 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 99 (stronger) | 82 |
| Peer percentile | 85th | 36th |
| Total assets | $47.4M | $38.3M |
| Deposits / shares | $39.0M | $31.1M |
| Capital ratio | 17.76% | 18.54% (stronger) |
| Problem loans | 0.16% (stronger) | 4.40% |
| Net charge-offs | -0.15% | -0.26% (stronger) |
| Return on assets | 0.70% | 1.32% (stronger) |
| Loans ÷ deposits | 48.2% | 47.8% (stronger) |
| Uninsured deposits | 1.9% (stronger) | 4.6% |
| 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 68). On the 7 directional measures above (where higher or lower is clearly better), Waialua Federal Credit Union leads on 3 and Molokai Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.