Charter 24796 · Lihue, HI
Garden Island Federal Credit Union
Garden Island Federal Credit Union is a federally chartered credit union in Lihue, Hawaii, with $126 million in assets and 7,235 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 13.72%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $126 million
- +5.5% in a year
- Members
- 7,235
- +0.9% in a year
- Net worth ratio
- 13.72%
- Peer median 11.65%
- Loans 60+ days late
- 1.35%
- Peer median 0.70%
- Loans outstanding
- $63.9 million
- +8.3% in a year
- Shares and deposits
- $110 million
- +6.7% in a year
- Branches
- 2
- 22 employees
- Opened
- 1938
- Federal charter
How Garden Island Federal Credit Union compares
NCUA groups credit unions by size; Garden Island Federal Credit Union is in the group with $100 million to $500 million (1,061 credit unions). Its net worth ratio of 13.72% is higher than that group's median of 11.65%, and its share of loans 60 or more days past due, 1.35%, is higher than the group median of 0.70%. Loans grew 8.3% over the year to Q2 2026, against a group median of 2.9% growth.
By assets it ranks 22 of 45 credit unions headquartered in Hawaii. See all Hawaii credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $126 million | 7,235 | $63.9 million | 13.72% | 1.35% |
| Q1 2026 | $126 million | 7,279 | $62.8 million | 13.65% | 1.18% |
| Q4 2025 | $123 million | 7,291 | $63.5 million | 13.90% | 1.05% |
| Q3 2025 | $121 million | 7,221 | $61.6 million | 13.97% | 0.66% |
| Q2 2025 | $120 million | 7,171 | $58.9 million | 14.01% | 0.68% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 66,165 potential members. It is designated a minority depository institution.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Garden Island Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Garden Island FCU - Koloa Branch
3417 Poipu Rd # 701, Koloa, HI 96756 - Garden Island Federal Credit Union (main office)
2973 Kele St, Lihue, HI 96766 - Garden Island FCU - Kapaa Branch
4-1105 Kuhio Hwy Ste A2, Kapaa, HI 96746 - CU Answers
6000 28Th St Se, Grand Rapids, MI 49546
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology