Central Pacific Bank vs Hamakua
Comparing a Bank in Honolulu, HI with a Credit Union in Pepeekeo, HI using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Central Pacific Bank ↗ Bank · Honolulu, HI · Est. 1954 | Hamakua ↗ Credit Union · Pepeekeo, HI · Est. 1937 | |
|---|---|---|
| Trust Grade | A · 92/100 | A · 98/100 |
| Institution type | Bank | Credit Union |
| Location | Honolulu, HI | Pepeekeo, HI |
| Total assets | $7.5B | $21.9M |
| Capital ratio | 8.5% | 15.3% |
| Return on assets | 1.2% | 2.1% |
| Deposits | $6.7B | — |
| Branches | 27 | 1,784 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 6 | #3 of 45 |
| Established | 1954 | 1937 |
Central Pacific Bank
- Assets: $7.5B
- Deposits: $6.7B
- Capital ratio: 8.5%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #2 of 6
Hamakua
- Assets: $21.9M
- Members: 1,784
- Capital ratio: 15.3%
- Return on assets: 2.1%
- CFPB complaints: 0
- State rank: #3 of 45
Are both institutions federally insured?
Yes. Central Pacific Bank is FDIC-insured and Hamakua is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Central Pacific Bank or Hamakua?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Hamakua scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Central Pacific Bank safe?
Yes — Central Pacific Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (92/100), reflecting its financial strength and complaint history relative to peers.
Is Hamakua safe?
Yes — Hamakua is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Central Pacific Bank vs Hamakua?
Central Pacific Bank has a capital ratio of 8.5%, placing it in the bottom 14% of $1B–10B peers. Hamakua's ratio is 15.3%, placing it in the top 43% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Central Pacific Bank have compared to Hamakua?
The CFPB database shows 0 complaints against Central Pacific Bank, and 0 complaints against Hamakua. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Central Pacific Bank with other Banks in Hawaii
Financial data from FDIC and NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
