Federal credit union · Kahului, Hawaii · NCUA charter #3574
Valley Isle Community
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $173.2M
- Total assets
- 12,847
- Members
- 9.1%
- Net-worth ratio
Valley Isle Community scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $173.2M; members 12,847; net-worth ratio 9.10%; health rank #2,020 of 4,374; healthier than 54th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,020 of 4,374 health · 2025Q4Valley Isle Community · health 85/100 · $173.2M · 2025Q4
- HEALTH 85/100
- NW 9.1%
- DELQ 0.31%
- ROA 0.49%
- ASSETS $173.2M
- MEM 12,847
- RANK #2,020/4,374
- PHOTO Frick Financial
- BOOK 3574
Call Report peers
Valley Isle Community in the assets neighbourhood
Valley Isle Community's $173.2M assets sit next to Frick Financial ($173.2M) 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.
Valley Isle Community 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
Valley Isle Community - Share Insurance Coverage
Charter #3574's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Valley Isle Community vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.31% here, 0.89% peer average (-0.58 pp).
- Largest lag: Loan-to-Share Ratio at 37.93% vs peer 72.20% (-34.27 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Valley Isle Community in Hawaii
- Hawaii health ordinal: #20 of 45.
- Hawaii assets place: #18 of 45.
- Member book place in Hawaii: #16 of 45.
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Valley Isle Community's 5300 filing moved
Valley Isle Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.1% from $173.2M (2025Q4) to $173.1M (2026Q1).
- Net-worth ratio shifted +0.13 pp (8.97% → 9.10%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action 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 27.8 pts
- Delinquency Rate 25.0 pts
- Return on Assets 14.8 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 9.7 pts
Valley Isle Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.10% | -3.01 pp |
| Delinquency Rate | 0.31% | -0.58 pp |
| Return on Assets | 0.49% | -0.13 pp |
| Member Growth | -0.74% | - |
| Loan-to-Share Ratio | 37.93% | -34.27 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).
Valley Isle Community quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $173.1M | - |
| 2025Q4 | $173.2M | 12,847 |
| 2024Q4 | $156.7M | 12,943 |
| 2023Q4 | $155.3M | 13,217 |
Credit Union Details
- Charter Number
- 3574
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Hawaii
- City
- Kahului
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Valley Isle Community, spread across 3 cities.
| Office | City |
|---|---|
| Main Branch (Main Office) | Kahului, HI |
| Lahaina Branch | Lahaina, HI |
| Wailuku Branch | Wailuku, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Other-state peers near Valley Isle Community
Cross-state asset and health neighbours for Valley Isle Community - kept outside Hawaii; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($173.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
Using this data
- Valley Isle Community ranks #2,020 of 4,374 nationally on financial health and #20 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Big Island is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Big Island
- 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 Valley Isle Community financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Valley Isle Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,020 of 4,374; by total assets it ranks #1,384 of 4,374 nationally (same basis as /rankings/largest); and #18 of 45 within Hawaii. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.10% net worth ratio and 0.31% delinquency rate are the key drivers.
How does Valley Isle Community compare to other credit unions?
85/100 is Valley Isle Community's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 Valley Isle Community?
Valley Isle Community 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 Valley Isle Community directly for the exact boundaries and application steps.
Is my money safe at Valley Isle Community?
Federal credit unions like Valley Isle Community 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. Valley Isle Community's net worth ratio of 9.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Valley Isle Community offer compared to banks?
Credit unions like Valley Isle Community 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 Valley Isle Community 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.