Garden Island

Lihue, HI · 1 · Charter #24796 · www.gardenislandfcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$122.8M
59th percentile
Members
7,291
48th percentile
Total loans
$63.5M
54th percentile
Total shares
$106.1M
60th percentile

Profitability

Return on assets
0.78%
33th percentile
Net interest margin
3.70%
52th percentile
Efficiency ratio
66.21%
38th percentile
Non-interest income ratio
9.70%
15th percentile

Capital & Risk

Net worth ratio
13.90%
69th percentile
Delinquency rate
1.05%
32th percentile
Net charge-off rate
0.63%
23th percentile
Loan-to-share
59.88%
35th percentile

Growth

Member growth YoY
1.03%
70th percentile
Asset growth YoY
6.08%
69th percentile
Loan growth YoY
21.35%
97th percentile
Share growth YoY
5.91%
71th percentile

Operations

Members / branch
3,646
62th percentile
Assets / member
$16,847
69th percentile
Field of membership penetration
10.96%
60th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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