Garden Island
Garden Island is a credit union based in Lihue, Hawaii, established in 1938, with $126 million in total assets serving 7,279 members. By Trust Grade it ranks 28th of 45 credit unions we track in Hawaii. Its net worth ratio of 13.7% is stronger than 78% of similarly sized credit unions, versus a Hawaii median of 12.6%. It was profitable over the most recent period, with a 0.27% return on assets. No consumer complaints against Garden Island appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Garden Island compares to Hawaii peers
How we graded Garden Island
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.7% capital ratio)
- Profitable (ROA 0.27%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Garden Island over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Garden Island insured?
Yes. Garden Island is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Garden Island: frequently asked questions
Is Garden Island a good credit union?
Garden Island earns a Bankzia Trust Grade of A (92/100, "Excellent"), based on a financial-strength score of 92/100 (it has no CFPB complaints on record). Strongly capitalized (13.7% capital ratio); Profitable (ROA 0.27%).
Is Garden Island NCUA-insured?
Yes. Garden Island is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Garden Island?
Garden Island holds $126 million in total assets, ranking 28th of 45 credit unions we track in Hawaii. It serves 7,279 members.
Does Garden Island have CFPB complaints?
No CFPB complaints against Garden Island appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
