Federal credit union · Lihue, Hawaii · NCUA charter #24796
Garden Island
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $122.8M
- Total assets
- 7,291
- Members
- 13.7%
- Net-worth ratio
Garden Island scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $122.8M; members 7,291; net-worth ratio 13.65%; health rank #1,941 of 4,374; healthier than 54th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,941 of 4,374 health · 2025Q4Garden Island · health 85/100 · $122.8M · 2025Q4
Call Report peers
Garden Island in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Garden Island vs every NCUA-scored credit union
Garden Island sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Garden Island: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 13.65% vs peer 12.11% (+1.54 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -12.32 pp (59.88% vs 72.20%).
Garden Island in Hawaii
- Hawaii health ordinal: #17 of 45.
- Assets rank #22 of 45 inside Hawaii ($122.8M reported).
- Membership ranks #20 of 45 among Hawaii CUs with a reported count (7,291 members).
- One place up in Hawaii, KAHULUI (#16) ties at 85/100; one place down, Hawaii Law Enforcement (#18) ties at 85/100.
Quarter path for Garden Island
Garden Island: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.3% from $122.8M (2025Q4) to $125.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (13.90% → 13.65%).
At 13.65%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 85/100 score is built
Garden Island gives up 15 points in total. Delinquency Rate costs the most, 5.3 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.7 pts
- Return on Assets 12.1 pts
- Member Growth 10.2 pts
- Loan-to-Share Ratio 13.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.65% | +1.54 pp |
| Delinquency Rate | 1.05% | +0.15 pp |
| Return on Assets | 0.31% | -0.32 pp |
| Member Growth | 1.03% | - |
| Loan-to-Share Ratio | 59.88% | -12.32 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Garden Island filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $125.7M | - |
| 2025Q4 | $122.8M | 7,291 |
| 2024Q4 | $115.8M | 7,217 |
| 2023Q4 | $118.6M | 7,160 |
Credit Union Details
- Charter Number
- 24796
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Lihue
- Data Quarter
- 2025Q4
Branch Locations (4)
The NCUA branch filing lists 4 physical offices for Garden Island, spread across 4 cities in 2 states.
| Office | City |
|---|---|
| Garden Island Federal Credit Union (Main Office) | Lihue, HI |
| EPL | Hoover, AL |
| Garden Island FCU - Kapaa Branch | Kapaa, HI |
| Garden Island FCU - Koloa Branch | Koloa, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
A look at other Hawaii credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Garden Island
Similar total assets
Similar health score
Using this data
- Garden Island ranks #1,941 of 4,374 nationally on financial health and #17 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WAILUKU is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WAILUKU
Frequently Asked Questions
Is Garden Island financially healthy?
On its 2025Q4 NCUA 5300 filing, Garden Island scores 85/100 (Excellent), with a 13.65% net worth ratio and 1.05% of loans delinquent. It ranks #1,941 of 4,374 nationally on health and #17 of 45 in Hawaii.
How does Garden Island compare to other credit unions?
Garden Island scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is net worth ratio (13.65% vs 12.11%). Its widest shortfall is loan-to-share ratio (59.88% vs 72.20%).
How can I join Garden Island?
Garden Island operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Garden Island directly for the exact boundaries and application steps.
Is my money safe at Garden Island?
Garden Island is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Garden Island's net worth ratio of 13.65% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.