Kahului, Hawaii · Peer group 5
Valley Isle Community Credit Union
Valley Isle Community Credit Union holds $173.1M in assets across 12,868 members as of Q1 2026 — about $13K of assets per member, on a charter dating to 1940. Charter number 3574, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $173.1M |
|---|---|
| Total loans | $60.7M |
| Total shares (deposits) | $160.1M |
| Net worth | $15.7M |
| Members | 12,868 |
| Assets per member | $13K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.3% | |
|---|---|---|
| Loans | 2.5% | around the 49th percentile of its peer group |
| Deposits | 6.7% | around the 78th percentile of its peer group |
| Members | -1.0% | around the 41st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 37.9% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 9.1% | around the 15th percentile of its peer group |
| Return on assets | 0.47% | around the 34th percentile of its peer group |
| Delinquency ratio | 0.39% | around the 30th percentile of its peer group |
| Cash / assets | 16.6% | around the 85th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Valley Isle Community Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Hawaii — the comparison set a peer ratio is measured against.
- Big Island Credit Union
HILO, HI
$194.1M · 9,583 members
- Kauai Credit Union
Lihue, HI
$197.7M · 7,756 members
- Hawaii County Employees Credit Union
Hilo, HI
$145.4M · 5,930 members
- Maui Credit Union
KAHULUI, HI
$145.0M · 7,308 members
- Wailuku Credit Union
KAHULUI, HI
$132.1M · 5,383 members
- Garden Island Credit Union
Lihue, HI
$125.7M · 7,279 members
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