GARDEN ISLAND Credit Union Profile

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GARDEN ISLAND

Charter #24796 | NCUA Region 3 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (808) 245-2712

Fax:

Founding Date: N/A

Website: http://www.gardenislandfcu.com

Personnel & Operations

President: Ota, Melvin

Manager: Corregedore, Shane

FT Employees: 23

PT Employees: 0

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 2

Hours: M-Th 8:30am-4:30 pm, F 8:30am-5:30 pm

Credit Union Profile Summary

GARDEN ISLAND is a FCU Credit Union. With a total of 7,171 members [1], this institution manages approximately $119,682,437 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 14.01% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.43% [1].

Financial Snapshot

Total Assets [1]
$119,682,437

Total economic resources.

Total Loans [1]
$58,944,547

Total value of outstanding loans.

Total Deposits [1]
$103,576,043

Total funds deposited by members.

Members [1]
7,171

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.01%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.34%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
56.91%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 2.17%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 9.43%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -0.49%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2973 Kele St

Lihue, HI, 96766
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by GARDEN ISLAND (Charter #24796).

Main Office

Garden Island Federal Credit Union Main Office

Type: Corporate Office

2973 Kele St

Lihue, HI 96766

Phone: (808) 245-2712

Services: None specified

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Additional Branches

Hoover

EPL

Type: Corporate Office

22 Inverness Center Pkwy Ste 400

Hoover, AL 35242-4879

Phone: (205) 408-5300

Services: None specified

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Koloa

Garden Island FCU - Koloa Branch

Type: Branch Office

3417 Poipu Rd # 701

Koloa, HI 96756-8517

Phone: (808) 742-6733

Services: Member Services

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