PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Garden Island

Lihue, HI · Charter 24796

NCUA · 4 branches

Q2 2026

$126.2MAssets
$63.9MLoans
$110.5MShares
$17.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.39%, up 6 bps year over year; NIM at 3.77%.
  • Asset quality: problem loans at 1.35% of loans (+67 bps YoY).
  • Capital: net worth / assets of 13.72%, down 29 bps from a year ago.
  • Funding: loans stand at 57.80% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.39%+6 bps YoY

Net Interest Margin (YTD, annualized)

3.77%+14 bps YoY

Efficiency Ratio (YTD, annualized)

80.61%-237 bps YoY

Net Worth / Assets

13.72%-29 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.33%0.38%0.41%0.27%0.39%+6 bps
Return on Equity2.38%2.73%2.95%1.95%2.84%+45 bps
Net Interest Margin3.63%3.68%3.70%3.70%3.77%+14 bps
Efficiency Ratio82.98%82.36%81.34%81.98%80.61%-237 bps
Growth
Asset Growth (YoY)2.17%3.89%6.08%5.07%5.47%+329 bps
Loan Growth (YoY)9.43%16.49%21.35%9.43%8.33%-110 bps
Share Growth (YoY)1.72%3.99%5.91%5.09%6.67%+495 bps
Asset Quality
Delinquent Loans / Loans0.68%0.66%1.05%1.18%1.35%+67 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.01%13.97%13.90%13.65%13.72%-29 bps
Net Worth / Assets14.01%13.97%13.90%13.65%13.72%-29 bps
Liquidity & Funding
Loans / Shares56.91%58.86%59.88%57.66%57.80%+89 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps