TellerScore

Headquartered in Lihue, Hawaii, Garden Island Federal Credit Union is a federal credit union with $126.2M in total assets and $110.5M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1938.

Based on its Q2 2026 filing, Garden Island Federal Credit Union scores 71/100, which we describe as strong. That is higher than 54% of 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 27th. Its strongest component is funding & liquidity (100/100; 58% loans-to-deposits, 7% uninsured), and its lowest is earnings (36/100; 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Net worth ratio: 13.72%
Loan quality55/100
Loans 60+ days delinquent ÷ total loans: 1.35%
Earnings36/100
Return on assets (annualized): 0.39%
Funding & liquidity100/100
Loans ÷ shares: 57.8% · 6.6% uninsured
Problem-loan coverage90/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 5.20%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (77 → 71), mostly because the loan quality component weakened by 22 points.

TellerScore
717578Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202476
Q4 202475
Q1 202575
Q2 202577
Q3 202578
Q4 202574
Q1 202672
Q2 202671
Net worth ratio
7.00%10.66%14.31%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.96%
Q3 202414.13%
Q4 202414.31%
Q1 202513.93%
Q2 202514.01%
Q3 202513.97%
Q4 202513.90%
Q1 202613.65%
Q2 202613.72%
Delinquent loans (60+ days)
0.66%1.00%1.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.99%
Q3 20240.85%
Q4 20241.08%
Q1 20250.86%
Q2 20250.68%
Q3 20250.66%
Q4 20251.05%
Q1 20261.18%
Q2 20261.35%
Return on assets
0.26%0.33%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.31%
Q4 20240.32%
Q1 20250.33%
Q2 20250.33%
Q3 20250.38%
Q4 20250.41%
Q1 20260.27%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202671$126.2M13.72%1.35%0.39%57.8%
Q1 202672$125.7M13.65%1.18%0.27%57.7%
Q4 202574$122.8M13.90%1.05%0.41%59.9%
Q3 202578$121.1M13.97%0.66%0.38%58.9%
Q2 202577$119.7M14.01%0.68%0.33%56.9%
Q1 202575$119.6M13.93%0.86%0.33%55.4%
Q4 202475$115.8M14.31%1.08%0.32%52.3%
Q3 202476$116.6M14.13%0.85%0.31%52.5%
Q2 202474$117.1M13.96%0.99%0.26%52.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.72%
76th
Problem loans1.35%
17th
Net charge-offs0.43%
43rd
Return on assets0.39%
23rd
Loans to deposits57.8%
80th
Uninsured deposits6.6%
44th
Loan-loss reserves0.00%
50th
Texas ratio5.2%
37th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Wailuku Federal Credit UnionCredit union Kahului, HI79 out of 100, Strong$135.4M12.7%1.18%vs
Maui Federal Credit UnionCredit union Kahului, HI81 out of 100, Strong$146.2M14.5%1.15%vs
Hawaii County Employees Federal Credit UnionCredit union Hilo, HI93 out of 100, Very strong$148.0M15.2%0.21%vs
Hawaii Federal Credit UnionCredit union Honolulu, HI89 out of 100, Very strong$104.0M15.2%0.23%vs
Ko`olau Federal Credit UnionCredit union Kailua, HI75 out of 100, Strong$103.9M9.4%0.05%vs
McBryde Federal Credit UnionCredit union Eleele, HI79 out of 100, Strong$102.7M26.9%1.70%vs

Deposit insurance

Is my money safe at Garden Island Federal Credit Union?

Yes. Garden Island Federal Credit Union is a federally insured credit union (NCUA charter #24796). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.6% of shares and deposits ($7.3M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 13.72%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Garden Island Federal Credit Union lists 3 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Garden Island Federal Credit Union
Type
Federal credit union
NCUA charter #
24796
RSSD ID
952471
Primary regulator
NCUA
Established
1938
Headquarters
2973 Kele St, Lihue, HI 96766
Employees
22

Quick answers

Garden Island Federal Credit Union: common questions

Is Garden Island Federal Credit Union NCUA insured?

Yes. Garden Island Federal Credit Union is a federally insured credit union (NCUA charter #24796). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Garden Island Federal Credit Union's TellerScore?

71 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Garden Island Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Lihue

InstitutionScoreAssetsCapitalProblem loansCompare
Gather Federal Credit UnionCredit union Lihue, HI81 out of 100, Strong$934.5M12.8%0.99%vs
McBryde Federal Credit UnionCredit union Eleele, HI79 out of 100, Strong$102.7M26.9%1.70%vs
American Savings Bank, National AssociationBank Honolulu, HI71 out of 100, Strong$9.0B9.1%0.19%vs
First Hawaiian BankBank Honolulu, HI67 out of 100, Moderate$23.6B9.4%0.30%vs
Central Pacific BankBank Honolulu, HI67 out of 100, Moderate$7.5B9.6%0.30%vs
Bank of HawaiiBank Honolulu, HI64 out of 100, Moderate$23.8B8.4%0.18%vs