Garden Island Federal Credit Union

Headquarters: Lihue, Hawaii
Charter: Credit Union
Assets: $126.2M
Fed district: San Francisco
Regulator: NCUA

10 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 15, 2026.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 15, 2026

How these figures are measured

Call-report figures are for Garden Island Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Garden Island Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 15, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Garden Island Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $67K in Q2 2026, 16% above the same quarter a year earlier ($58K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
Māla Checking
Garden Island Federal Credit Union: $6
Garden Island Federal Credit Union: $6
U.S. median: no median
Overdraft (OD)
Garden Island Federal Credit Union: $20
Garden Island Federal Credit Union: $20
U.S. median: no median
NSF / Returned Item
Garden Island Federal Credit Union: $20
Garden Island Federal Credit Union: $20
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 15, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Hawaii: Banks and credit unions headquartered in Hawaii that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income rose 26% from Q3 2025 to Q2 2026, to $67K.

Fee income, Q2 2026

$67K

$53KQ3 2025

$57KQ4 2025

$45KQ1 2026

$67KQ2 2026

Against the median

Garden Island Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Garden Island Federal Credit Union · $126M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 18 states.

Credit unions only
$124M to $129M in assets
Headquartered in 18 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Garden Island Federal Credit Union(this institution)	Lihue, HI	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Adventhealth Federal Credit Union	Altamonte Springs, FL	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Allentown Federal Credit Union	Allentown, PA	$128M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Auburn Community Federal Credit Union	Auburn, NY	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Bp Federal Credit Union	Houston, TX	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Brotherhood Federal Credit Union	Lynn, MA	$125M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coconino Federal Credit Union	Flagstaff, AZ	$126M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Crow Wing Power Federal Credit Union	Brainerd, MN	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Missouri Federal Credit Union	Saint Louis, MO	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Illinois State Police Federal Credit Union	Springfield, IL	$127M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ingersoll-Rand Federal Credit Union	Sayre, PA	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Kansas Teachers Community Federal Credit Union	Pittsburg, KS	$125M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Mutual First Federal Credit Union	Omaha, NE	$125M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
N A E Federal Credit Union	Chesapeake, VA	$126M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	Publishes International wire	Publishes Overdraft
Nesc Federal Credit Union	Methuen, MA	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
North Iowa Community Federal Credit Union	Mason City, IA	$128M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Northern Communities Federal Credit Union	Duluth, MN	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
One Source Federal Credit Union	El Paso, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Plus Federal Credit Union	Las Vegas, NV	$126M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
River Valley Federal Credit Union	Ada, MI	$124M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Telco Plus Federal Credit Union	Longview, TX	$124M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The Health & Education Federal Credit Union	Lexington, KY	$126M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	Publishes International wire	Overdraft not published
Tomah Area Federal Credit Union	Tomah, WI	$126M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
Ufirst Federal Credit Union	Plattsburgh, NY	$129M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
United Community Federal Credit Union	Houston, TX	$128M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
United Savings Federal Credit Union	Fargo, ND	$125M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 10 publish this fee(monthly maintenance)

15 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.50 (9.1%) above the median of similar-sized credit unions.

Its published price is $6, against a peer median of $5.50 among 10 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Garden Island Federal Cre…Peer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Garden Island Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $67K
vs prior quarter: +$22K+48.9%; from Q1 2026
vs a year earlier: +$9K+15.5%; from Q2 2025
vs start of range: +$33K+97.1%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Garden Island Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$67K	+$22K	+48.9%
Q1 2026	$45K	−$12K	−21.1%
Q4 2025	$57K	+$4K	+7.5%
Q3 2025	$53K	−$5K	−8.6%
Q2 2025	$58K	+$19K	+48.7%
Q1 2025	$39K	−$2K	−4.9%
Q4 2024	$41K	+$7K	+20.6%
Q3 2024	$34K	−$5K	−12.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Garden Island Federal Credit Union’s own schedules, with a source for each figure.

Account Maintenance

Māla Checking: Account Maintenance Fee (monthly)$6
per month
Inactive/Dormant Account: Per quarter (inactive for 1 year or more)$5
Not compared: Quarterly charge, not monthly
per quarter

Overdraft & NSF

EFT Overdraft/NSF (non-sufficient funds)$20
per item
Overdraft/NSF (non-sufficient funds)$20
per item
Overdraft/NSF (non-sufficient funds)$20
per item

ATM & Card

VISA® Debit Card Replacement$5
per item
Expedited VISA® Debit Card Replacement$20
per item
Foreign Transaction Fee1%of the transaction
per transaction
Foreign Transaction Fee (audience not stated, treated as personal)1%of the transaction
per transaction

Wire Transfers

Outgoing Domestic Wire Transfer$35
per item
Incoming Domestic Wire Transfer$10
per item
Outgoing International Wire Transfer$50
per item
Incoming International Wire Transfer$10
per item

Check Services

EFT Stop Payment$15
per item
Stop Payment$15
per item

Fee	Amount	Basis	Note
Account Maintenance
Māla Checking: Account Maintenance Fee (monthly)	$6	per month	None
Inactive/Dormant Account: Per quarter (inactive for 1 year or more)	$5Not compared: Quarterly charge, not monthly	per quarter	None
Overdraft & NSF
EFT Overdraft/NSF (non-sufficient funds)	$20	per item	None
Overdraft/NSF (non-sufficient funds)	$20	per item	None
Overdraft/NSF (non-sufficient funds)	$20	per item	None
ATM & Card
VISA® Debit Card Replacement	$5	per item	None
Expedited VISA® Debit Card Replacement	$20	per item	None
Foreign Transaction Fee	1%of the transaction	per transaction	None
Foreign Transaction Fee (audience not stated, treated as personal)	1%of the transaction	per transaction	None
Wire Transfers
Outgoing Domestic Wire Transfer	$35	per item	None
Incoming Domestic Wire Transfer	$10	per item	None
Outgoing International Wire Transfer	$50	per item	None
Incoming International Wire Transfer	$10	per item	None
Check Services
EFT Stop Payment	$15	per item	None
Stop Payment	$15	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 15, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

Get an email when Garden Island Federal Credit Union's monthly maintenance changes in our data

We check once a day and send one email covering every change.