GARDEN ISLAND
Federal • Lihue, Hawaii • Est. 1938
Quick Facts
- Charter Number
- #24796
- Type
- Federal
- Established
- 1938
- Headquarters
- Lihue, Hawaii 96766
- Address
- 2973 Kele St
- Branches
- 4
- ATMs
- 2
- Members
- 7,279
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 8% and a delinquency rate below 1.5%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
7,279 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GARDEN ISLAND |
|---|---|
| Total Assets | $125.7M |
| Members | 7,279 |
| Loans Outstanding | $62.8M |
| Shares & Deposits | $108.9M |
| Net Worth | $17.2M |
| Net Worth Ratio | 13.65% |
| Loan-to-Share Ratio | 57.7% |
| Delinquency Rate | 1.18% |
| Net Income | +$83,464 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
4 locations · 2 ATMs
EPL
22 Inverness Center Pkwy Ste 400
Hoover, AL 35242-4879
Garden Island FCU - Koloa Branch
3417 Poipu Rd # 701
Koloa, HI 96756-8517
Garden Island Federal Credit Union
Main Office2973 Kele St
Lihue, HI 96766
Garden Island FCU - Kapaa Branch
4-1105 Kuhio Hwy Ste A2
Kapaa, HI 96746
Who Can Join GARDEN ISLAND?
Membership Type: Other/Unknown
Membership eligibility for GARDEN ISLAND may vary. Contact the credit union directly to confirm qualification requirements.
Contact GARDEN ISLAND directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Hawaii
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Hawaii RankingsFrequently Asked Questions
GARDEN ISLAND is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, GARDEN ISLAND has 7,279 members and a potential membership field of 66,121 people.
GARDEN ISLAND's reported net worth ratio is 13.65% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
GARDEN ISLAND operates 4 branch locations and has access to 2 ATMs. The main office is located at 2973 Kele St, Lihue, HI 96766.
GARDEN ISLAND was established in 1938. It is a federal credit union chartered under charter number 24796. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or GARDEN ISLAND. All financial data is for informational purposes only.