# GARDEN ISLAND
Lihue, HI · NCUA charter 24796 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/garden-island-24796

Who the members are: federal charter, community charter, organized 1938, minority depository institution. 7,279 members of 66,121 potential (11.0% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $125.7M |
| Members | 7,279 (1.8% YoY) |
| Full-time staff | 22 |
| Net worth | $17.2M |
| Net worth ratio | 13.7% (p74 of band) |
| ROA (annualized) | 0.27% (p21 of band) |
| Total delinquency | 1.18% (p80 of band) |
| Net charge-offs (annualized) | 0.67% (p78 of band) |
| Loans / shares | 58% (p29 of band) |
| Cash / assets | 31.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.70% (p51 of band) |
| Operating expense / assets | 3.38% (p40 of band) |
| Vehicles % of loans | 37% (p49 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 112% (p72 of band) |
| Vehicle delinquency | 1.42% (p84 of band) |
| Vehicle NCO | 1.08% (p76 of band) |
| Repossessed % of vehicle book | 0.09% (p78 of band) |
| Real estate % of loans | 43% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 16% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 24% |
| Average share balance | $8,630 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.9M |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $15,514 |
| Loans granted, annualized | $14.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.9M outstanding purchased (51.7% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 5.1% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | net worth falling, members leaving | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 2 |  | net worth falling |
| 2018-09 | 2 | loan book shrinking | members leaving |
| 2018-12 | 2 | repo signal | loan book shrinking |
| 2019-03 | 3 | charge-offs p90, members leaving | repo signal |
| 2019-06 | 1 |  | charge-offs p90, members leaving |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 1 | delinquency 2x band |  |
| 2020-03 | 4 | losing money, margin squeeze, charge-offs p90 |  |
| 2020-06 | 5 | net worth falling, repo signal, leaning on borrowings | margin squeeze, charge-offs p90 |
| 2020-09 | 2 | delinquency rising | losing money, net worth falling, repo signal, leaning on borrowings |
| 2020-12 | 2 | charge-offs p90 | delinquency rising |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 3 | net worth falling |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 3 | losing money | charge-offs p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 3 | charge-offs p90 | net worth falling |
| 2022-12 | 1 |  | losing money, charge-offs p90 |
| 2023-03 | 2 | assets shrinking |  |
| 2023-06 | 3 | charge-offs p90 |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 2 |  | assets shrinking |
| 2024-06 | 2 | assets shrinking | delinquency 2x band |
| 2024-09 | 2 |  |  |
| 2024-12 | 0 |  | charge-offs p90, assets shrinking |
| 2025-03 | 1 | charge-offs p90 |  |
| 2025-06 | 0 |  | charge-offs p90 |
| 2025-09 | 1 | 3rd-party paper>100% NW |  |
| 2025-12 | 2 | net worth falling |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-06-16 [Kauai Federal Credit Union helps 5 students - The Garden Island](https://news.google.com/rss/articles/CBMinwFBVV95cUxOb3Y1Y2sza2NJcWpiaWhDZ1BWd0hSSlJ0dEtPaUp6OHVTb09wZkUtdE1xMVFjY3hIeW5DRWxDRFpiWWhTckZab1BVRGRnUHFmaE1CTmVZeHR3RGhZcFRoRlpreFdJaEQtaXN6SVYzNlRhTnlJNUhLWUtqN0NCMTlJSzBxT3JwREZQaG0zVkZQM1k5RXhOMHkyZUVrUkRKSDA?oc=5) · The Garden Island
- 2024-03-25 [Garden Island Federal Credit Union opens Kapa‘a Branch - The Garden Island](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQc0NBa2lYS0pqUWJKbE14aXZQcVZrNjdscWVQbnV1QWZJME5LNnZuelE1dTdIOFhUdUFiLWFkd0l6ZXBybm50dWxnQVYyemNVWHRSLVhVbXA2LTcxVk9RY1dwNzZIeUlNcUljNEczbHdqRUdYbzludlZpZm5XajlfRUVLeDB4bjVwU1NyYjlONFFYWUZxTXQ4Nlc5d3RWWHpKeDN2dzZpa0FmQQ?oc=5) · The Garden Island
- 2026-04-24 [HawaiiUSA brings flood relief to Kauai - The Garden Island](https://news.google.com/rss/articles/CBMimgFBVV95cUxQa1lLaU1DTjYtYVhBaHl1bmxkLXdiUEIzMm5LLW4xZHZXV2lHcTNTTUJSa2xWaHhXNV9YOGRiZVRPRHpMTEpSUkZ6LWFkNTE3dGtSeTBCeHlxMkdOWVVnRTRHdHBIYy1QN2MtckVmOWRWQzNwSllsR0lycy1McHZVU1ZFcjktZlQ3Qjd2UzBxQjdNaHBjSzB1X3NR?oc=5) · The Garden Island
- 2025-12-12 [HawaiiUSA Federal Credit Union distributes $10,000 plus 50 gift boxes - The Garden Island](https://news.google.com/rss/articles/CBMivwFBVV95cUxQX2tXbUdxVkI5bjloME5MWVEwWGRuNWp6QUFfOFptcUY3bHo4N3Fsb0dNaWY0UThKdkRvNmZNd3A0Q1Y2b0xqRFV4LS1Xd3RDems4c3FZbjhLQWduRjF1YlBsRXRnSU44ek1KOTlwZlJxaTZ1OEIxUlJLVUdBaFk2ajNydFgwT2ZFTWFsVjJpOVAyY3dEYlBwU0VXMVBPU3QtR0lrcDBWdlViTnI3VFZ0dmFtQ3pWR3pmX3I4VXNYdw?oc=5) · The Garden Island
- 2022-04-05 [Gather FCU opens branch inside Walmart - The Garden Island](https://news.google.com/rss/articles/CBMimgFBVV95cUxQN1ZPai1zVXNGVGJIakM3MjZGc2ppcW9qX1ZOU0IzTk5GbFpVUGZ0eGRyelpfSXlWNEJDSVZrTUNMQWZxUkpmZEJOUWo3N1BjUDJiQk1Oa0hTUHhoUE0wZHFtUVZ0SHRYcUVGUFBjX0pvSnBaQl9YNVBBTmY1VmZGb19xWHo3TkVtQm1kZS1YcVJmakc3bUM1OE9B?oc=5) · The Garden Island
- 2025-01-29 [HawaiiUSA FCU celebrates New Year - The Garden Island](https://news.google.com/rss/articles/CBMijwFBVV95cUxQWDhzUWZ4eXFkc0lrSWRuQUZid3dEbWNkc1pKaHpOd01zUWRFNTZoWnFURzV1SUo0TkFsMjltdE1QZktYUWRXVHhaMm9FSC1jVE5nUmd2YVRnQ0VBM0NlRmlEZnN0UDdqOXpDT0JKRDhmU2JvVlYybGRlUFE3amloQldmVU1mQjZvanRwSFBUNA?oc=5) · The Garden Island
- 2023-10-24 [Hawai‘iUSA donation goes to fighting bullying - The Garden Island](https://news.google.com/rss/articles/CBMingFBVV95cUxOMWh2R3JMNVdiNC1RZ1R0dTRoZEJYNDYxV2JTS3YwRlpZWHhwMlJZU1NENlAtQnd3dm93bmtILUZnTUx2NHR1RnVUYlVYQ0R1QlF1bTExbnNwc1BwbDhHNTJobmRFck0talc2TGJkOGtJOU5kSExoNDJyMGp6S2NMeHR6NTNydmdUeGcwUXdLTlRjZ1NWTlh1dkxpV2pOUQ?oc=5) · The Garden Island
- 2024-04-12 [Waimea High School JROTC nears funding deadline for trip abroad - The Garden Island](https://news.google.com/rss/articles/CBMiugFBVV95cUxPclJPTTJheE5pdFZHR0VQTGJfWUxmd3NTSmF1XzJqdVR3N0NVQnhUOWR0UVFRUEl5ZDMwRHg5TWtJdE4wZFpPSzU3RUo5VGh1X0VXMEo5WjhnS0ZfdTltcWNRQVYzczYwZGd0eWloMURUaTBEU0RsNGtMT2lYUXZJU05JYkxNS01FNmZOelNFNERRMHNuMW5PLUFScjFJOTVGY3JYdDM1SmNFQjVmdEtlUU1rNjJzWm5mYkE?oc=5) · The Garden Island

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24796 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/28.json (key "24796", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24796
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide