Garden Island
Lihue, HI · Charter 24796 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 4 branches
Q2 2026
$126.2MAssets
$63.9MLoans
$110.5MShares
$17.3MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 58% of credit unions under $1B in assets (rank 714 of 1683).
- Widest gap: nonperforming loans / loans trails 76% of credit unions under $1B in assets (rank 1286 of 1682).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.39%
Rank 1,232 of 1,683
Net Interest Margin
3.77%
Rank 889 of 1,683
Efficiency Ratio
80.66%
Rank 963 of 1,682
Equity / Assets
13.72%
Rank 714 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.39% | 0.35% | 0.74% | 1.18% | Beats 27% | 1,232 / 1,683 | |
| Return on Equity | 2.84% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,236 / 1,681 | |
| Net Interest Margin | 3.77% | 3.31% | 3.82% | 4.32% | Beats 47% | 889 / 1,683 | |
| Efficiency Ratio | 80.66% | 68.91% | 78.20% | 86.93% | Beats 43% | 963 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.35% | 0.26% | 0.65% | 1.29% | Beats 24% | 1,286 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.72% | 10.44% | 12.89% | 16.53% | Beats 58% | 714 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.72% | 10.44% | 12.89% | 16.53% | Beats 58% | 714 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 57.80% | 52.61% | 69.38% | 83.50% | 32nd pctl | 1,151 / 1,683 | |
| Loans / Assets | 50.59% | 44.71% | 59.18% | 70.72% | 35th pctl | 1,102 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |