GARDEN ISLAND
Charter #24796 · Lihue, HI · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 7,279 sits at the 16th percentile of structural peers — worth a closer look.
- Net worth ratio of 13.65% ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.27% sits at the 18th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.18% sits at the 82nd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.67% sits at the 87th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | GARDEN ISLAND | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $125.70M | 17th pct | 23th pct |
| Members | 7,279 | 13th pct | 16th pct |
| Net worth ratio | 13.65% | 76th pct | 75th pct |
| Return on average assets | 0.27% | 20th pct | 18th pct |
| Net interest margin | 3.74% | 55th pct | 61th pct |
| Cost of funds | 1.14% | 45th pct | 67th pct |
| Loan-to-share | 57.66% | 22th pct | 34th pct |
| Delinquency 60+ days | 1.18% | 83th pct | 82th pct |
| Net charge-off ratio | 0.67% | 76th pct | 87th pct |
| Loan growth YoY | 1.98% | 66th pct | 70th pct |
| Share growth YoY | 4.11% | 59th pct | 61th pct |
| Efficiency ratio | 81.98% | 62th pct | 51th pct |
structural peer set hash: 1d25a633267cf6af8a4da45531a8bce7… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.