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
- 7,291
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
7,291 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | GARDEN ISLAND |
|---|---|
| Total Assets | $122.8M |
| Members | 7,291 |
| Loans Outstanding | $63.5M |
| Shares & Deposits | $106.1M |
| Net Worth | $17.1M |
| Net Worth Ratio | 13.90% |
| Loan-to-Share Ratio | 59.9% |
| Delinquency Rate | 1.05% |
| Net Income | +$961,422 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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.
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View Hawaii RankingsFrequently Asked Questions
Yes. GARDEN ISLAND is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, GARDEN ISLAND has 7,291 members and a potential membership field of 66,549 people.
GARDEN ISLAND's net worth ratio is 13.90% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 13.9%, GARDEN ISLAND meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or GARDEN ISLAND. All financial data is for informational purposes only.