TellerScore

Headquartered in Kahului, Hawaii, Valley Isle Community Federal Credit Union is a federal credit union with $174.1M in total assets and $160.9M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1940.

Valley Isle Community Federal Credit Union has a TellerScore of 68 out of 100 (moderate) based on Q2 2026 data — higher than only 45% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 32nd. Funding & liquidity contributes the most (100/100, 38% loans-to-deposits, 7% uninsured); capital cushion contributes the least (43/100, 9.26%).

TellerScore · Q2 2026

Scorecard

Capital cushion43/100
Net worth ratio: 9.26%
Loan quality85/100
Loans 60+ days delinquent ÷ total loans: 0.44%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity100/100
Loans ÷ shares: 37.6% · 6.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.70%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (67 → 68).

TellerScore
677174Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202473
Q4 202469
Q1 202574
Q2 202567
Q3 202569
Q4 202567
Q1 202667
Q2 202668
Net worth ratio
7.00%8.28%9.56%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.47%
Q3 20249.56%
Q4 20249.42%
Q1 20259.44%
Q2 20259.29%
Q3 20259.17%
Q4 20258.97%
Q1 20269.10%
Q2 20269.26%
Delinquent loans (60+ days)
0.15%0.41%0.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.15%
Q4 20240.27%
Q1 20250.26%
Q2 20250.67%
Q3 20250.38%
Q4 20250.31%
Q1 20260.39%
Q2 20260.44%
Return on assets
0.47%0.83%1.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.74%
Q3 20240.84%
Q4 20240.54%
Q1 20251.19%
Q2 20250.72%
Q3 20250.69%
Q4 20250.47%
Q1 20260.47%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202668$174.1M9.26%0.44%0.66%37.6%
Q1 202667$173.1M9.10%0.39%0.47%37.9%
Q4 202567$173.2M8.97%0.31%0.47%37.9%
Q3 202569$170.5M9.17%0.38%0.69%38.6%
Q2 202567$165.2M9.29%0.67%0.72%38.8%
Q1 202574$161.4M9.44%0.26%1.19%39.5%
Q4 202469$156.7M9.42%0.27%0.54%40.7%
Q3 202473$156.1M9.56%0.15%0.84%39.2%
Q2 202471$154.4M9.47%0.30%0.74%38.1%

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 ratio9.26%
16th
Problem loans0.44%
70th
Net charge-offs0.60%
26th
Return on assets0.66%
43rd
Loans to deposits37.6%
97th
Uninsured deposits6.8%
42nd
Loan-loss reserves0.00%
50th
Texas ratio1.7%
80th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Kauai Federal Credit UnionCredit union Lihue, HI36 out of 100, Low$192.8M8.8%2.71%vs
Big Island Federal Credit UnionCredit union Hilo, HI71 out of 100, Strong$194.5M9.3%0.16%vs
Hawaii County Employees Federal Credit UnionCredit union Hilo, HI93 out of 100, Very strong$148.0M15.2%0.21%vs
Maui Federal Credit UnionCredit union Kahului, HI81 out of 100, Strong$146.2M14.5%1.15%vs
Wailuku Federal Credit UnionCredit union Kahului, HI79 out of 100, Strong$135.4M12.7%1.18%vs
Garden Island Federal Credit UnionCredit union Lihue, HI71 out of 100, Strong$126.2M13.7%1.35%vs

Deposit insurance

Is my money safe at Valley Isle Community Federal Credit Union?

Yes. Valley Isle Community Federal Credit Union is a federally insured credit union (NCUA charter #3574). 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 6.8% of shares and deposits ($10.9M) 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 9.26%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Valley Isle Community Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Valley Isle Community Federal Credit Union
Type
Federal credit union
NCUA charter #
3574
RSSD ID
372976
Primary regulator
NCUA
Established
1940
Headquarters
160 Paahana St, Kahului, HI 96732
Employees
26

Quick answers

Valley Isle Community Federal Credit Union: common questions

Is Valley Isle Community Federal Credit Union NCUA insured?

Yes. Valley Isle Community Federal Credit Union is a federally insured credit union (NCUA charter #3574). 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 Valley Isle Community Federal Credit Union's TellerScore?

68 out of 100 (Moderate), 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 Valley Isle Community Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Kahului

InstitutionScoreAssetsCapitalProblem loansCompare
Maui Teachers Federal Credit UnionCredit union Wailuku, HI89 out of 100, Very strong$38.5M16.8%0.00%vs
Kahului Federal Credit UnionCredit union Kahului, HI82 out of 100, Strong$78.8M13.9%0.13%vs
Maui Federal Credit UnionCredit union Kahului, HI81 out of 100, Strong$146.2M14.5%1.15%vs
Wailuku Federal Credit UnionCredit union Kahului, HI79 out of 100, Strong$135.4M12.7%1.18%vs
Hawaiiusa Federal Credit UnionCredit union Honolulu, HI73 out of 100, Strong$2.7B10.6%0.39%vs
Hawaii National BankBank Honolulu, HI72 out of 100, Strong$871.7M11.0%0.05%vs