Side-by-side · Q2 2026 data
Valley Isle Community Federal Credit Union vs Garden Island Federal Credit Union
Credit union
Valley Isle Community Federal Credit Union
Kahului, Hawaii · $100 million – $1 billion
Metric by metric
| Measure | Valley Isle Community Federal Credit Union | Garden Island Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 71 (stronger) |
| Capital cushion | 43 | 87 (stronger) |
| Loan quality | 85 (stronger) | 55 |
| Earnings | 46 (stronger) | 36 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 97 (stronger) | 90 |
| Peer percentile | 45th | 54th |
| Total assets | $174.1M | $126.2M |
| Deposits / shares | $160.9M | $110.5M |
| Capital ratio | 9.26% | 13.72% (stronger) |
| Problem loans | 0.44% (stronger) | 1.35% |
| Net charge-offs | 0.60% | 0.43% (stronger) |
| Return on assets | 0.66% (stronger) | 0.39% |
| Loans ÷ deposits | 37.6% (stronger) | 57.8% |
| Uninsured deposits | 6.8% | 6.6% (stronger) |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Garden Island Federal Credit Union has the higher TellerScore (71 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Valley Isle Community Federal Credit Union leads on 3 and Garden Island Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.