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
Call Report peers
Valley Isle Community in the assets neighbourhood
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
Valley Isle Community 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
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 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).
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.
- One place up in Hawaii, LANAI (#19) ties at 85/100; one place down, Hawaiian Financial (#21) scores 84/100, 1 point lower.
How Valley Isle Community's 5300 filing moved
Valley Isle Community: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.1% from $173.2M (2025Q4) to $173.1M (2026Q1).
- Net-worth ratio shifted +0.13 pp (8.97% → 9.10%).
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
Valley Isle Community gives up 15 points in total. Member Growth costs the most, 7.3 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Valley Isle Community financially healthy?
On its 2025Q4 NCUA 5300 filing, Valley Isle Community scores 85/100 (Excellent), with a 9.10% net worth ratio and 0.31% of loans delinquent. It ranks #2,020 of 4,374 nationally on health and #20 of 45 in Hawaii.
How does Valley Isle Community compare to other credit unions?
Valley Isle Community 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 delinquency rate (0.31% vs 0.89%). Its widest shortfall is loan-to-share ratio (37.93% vs 72.20%).
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?
Valley Isle Community 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. Valley Isle Community's net worth ratio of 9.10% 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.