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
- NCUSIF 85/100
- CAMELS 13.7%
- HEALTH 1.05%
- NW 0.31%
- DELQ $122.8M
- ROA 7,291
- ASSETS #1,941/4,374
- MEM St. Michaels Fall River
- RANK 24796
Call Report peers
Garden Island in the assets neighbourhood
Garden Island's $122.8M assets sit next to St. Michaels Fall River ($123.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Garden Island - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24796. See our deposit-insurance coverage note.
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%).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Garden Island
Garden Island: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.3% from $122.8M (2025Q4) to $125.7M (2026Q1).
- Net-worth ratio shifted -0.25 pp (13.90% → 13.65%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
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
Garden Island's nationwide photo peers by assets and by health score, excluding Hawaii charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($122.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Hawaii credit unions compare overall before assuming this one is typical. Hawaii state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Garden Island financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Garden Island carries a financial health score of 85/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,941 of 4,374; by total assets it ranks #1,655 of 4,374 nationally (same basis as /rankings/largest); and #22 of 45 within Hawaii. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.65% net worth ratio and a 1.05% delinquency rate.
How does Garden Island compare to other credit unions?
Five weighted metrics from NCUA filings produce Garden Island's 85/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Garden Island are 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."
What rates does Garden Island offer compared to banks?
Credit unions like Garden Island are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Garden Island directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.