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Garden Island Federal Credit Union


Overview / Commentary
808-245-2712
2973 Kele St
Lihue, HI 96766

Garden Island Federal Credit Union is headquartered in Lihue and is the 21st largest credit union in the state of Hawaii. It is also the 1,662nd largest credit union in the nation. It was established in 1938 and as of March of 2019, it had grown to 16 employees and 7,299 members at 2 locations. Garden Island Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school on Kauai and to immediate family of current members.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Garden Island Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #24796
Year Chartered1938
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.75%
Return on Equity - YTD5.09%
Annual Interest Income$725.00K
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$96.9MM$97.1MM
LoansQ1 2019vs Q1 2018$24.0MM$21.6MM
DepositsQ1 2019vs Q1 2018$82.5MM$83.4MM
Equity CapitalQ1 2019vs Q1 2018$14.2MM$13.6MM
Loan Loss AllowanceQ1 2019vs Q1 2018$318.00K$253.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$405.00K$446.00K
Real Estate OwnedQ1 2019vs Q1 2018$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Garden Island Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$25-Individual Retirement Account
0.30%*$40k*-Primary Regular Share
OTHER TIERS: 0.10% $100 - $10k | 0.20% $10k - $40k
0.30%*$40k*-Special Share Account
OTHER TIERS: 0.10% $5 - $10k | 0.20% $10k - $40k
0.10%$5-Christmas Savings
0.10%$5-Vacation Account

Garden Island Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$5-Share Draft Checking
Locations


Garden Island Federal Credit Union Locations
Branch Office2973 Kele StLihue, HI 96766
Branch Office3417 Poipu Rd # 701Koloa, HI 96756-8517

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