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

Garden Island Federal Credit Union is headquartered in Lihue and is the 20th largest credit union in the state of Hawaii. It is also the 1,651st largest credit union in the nation. It was established in 1938 and as of June of 2018, it had grown to 15 employees and 7,500 members at 2 locations. Garden Island Federal Credit Union has an A 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.
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Health
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
Employees15
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD1.81%
Annual Interest Income$1.3MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$96.6MM$94.6MM
LoansQ2 2018vs Q2 2017$20.6MM$21.6MM
DepositsQ2 2018vs Q2 2017$82.8MM$80.6MM
Equity CapitalQ2 2018vs Q2 2017$13.7MM$13.9MM
Loan Loss AllowanceQ2 2018vs Q2 2017$238.00K$227.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$375.00K$438.00K
Real Estate OwnedQ2 2018vs Q2 2017$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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