# UNIVERSITY OF HAWAII
Honolulu, HI · NCUA charter 10465 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/university-of-hawaii-10465

Who the members are: federal charter, multiple common bond, organized 1955, minority depository institution. 35,354 members of 375,000 potential (9.4% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 25.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $956.7M |
| Members | 35,354 (2.6% YoY) |
| Full-time staff | 71 |
| Net worth | $104.1M |
| Net worth ratio | 10.9% (p59 of band) |
| ROA (annualized) | 0.99% (p73 of band) |
| Total delinquency | 0.20% (p12 of band) |
| Net charge-offs (annualized) | 0.33% (p41 of band) |
| Loans / shares | 42% (p4 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.08% (p1 of band) |
| Operating expense / assets | 1.37% (p1 of band) |
| Vehicles % of loans | 5% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 5% (p18 of band) |
| Vehicle delinquency | 0.31% (p24 of band) |
| Vehicle NCO | 0.15% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p18 of band) |
| Real estate % of loans | 80% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 32% |
| Certificates % of member funds | 49% |
| Average share balance | $11,646 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $29.4M |
| Loans outstanding per 100 members | 25% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $41,360 |
| Loans granted, annualized | $149.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $29.4M outstanding purchased (28.3% of net worth), $0 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 5.0% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | delinquency 2x band |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 0 |  | delinquency 2x band, delinquency rising |
| 2018-03 | 1 | delinquency 2x band |  |
| 2018-06 | 2 | losing money, charge-offs p90 | delinquency 2x band |
| 2018-09 | 3 | net worth falling |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 0 |  | losing money, charge-offs p90, net worth falling |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 0 |  | delinquency 2x band |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | margin squeeze, delinquency rising |  |
| 2021-06 | 3 | delinquency 2x band | margin squeeze |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | delinquency rising |
| 2023-06 | 3 | net worth falling, leaning on borrowings |  |
| 2023-09 | 2 |  | net worth falling |
| 2023-12 | 1 |  | delinquency 2x band |
| 2024-03 | 2 | net worth falling |  |
| 2024-06 | 0 |  | leaning on borrowings, net worth falling |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 0 |  | delinquency rising |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 0 |  |  |

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

- 2026-04-07 [UH Mānoa launches 8th annual #TakeMeToMānoa scholarship contest - University of Hawaii System](https://news.google.com/rss/articles/CBMickFVX3lxTE1qN0FlMzFZQVVFMjk1dmdSNlVnOFBQNmtuVFJzV3U1QTU5aVZDZW1pOHFIMElwMzN4ZmF3M29nT2lqLU9NMHc2clRqbnlpdkJxNE5oRGs1b2tCWWtuYjdfeERHWDRuWk1vUTcxbzlyOVJ5Zw?oc=5) · University of Hawaii System
- 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
- 2026-06-19 [Roy Osada Obituary - Honolulu, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMifkFVX3lxTE0zUzJVR2lmVUxFOUZwZFlsTkY4ZW1xUnlTWTJLbjVSVVdMM0syQTJQX0U2RFMycVplQXY0elhHTk5zUmcxWTJ2UnlvT0NnZWl6eXFMYWR1VUt0SEZNRkZtRkVDWkxQOWRkM09jWHJUSVZJUldwZWtob2JpdTkxZw?oc=5) · Dignity Memorial
- 2024-08-01 [Hawaiʻi’s Top 250 Company Profiles 2024 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTE9rSTRGSTlLYkg3UnU5b24wbjNHRklJOEY2QTNqVE9nNjRheVRGRDM4cDRXTDhQeVo0WVJTcjNxZDU5RjloM0R4dElDRmMwT0tsblRDWnpxTDU0M2dpU0NMZGtBZmxPS0VPcHoyS21VOFAzTmFuS3NDNQ?oc=5) · Hawaii Business Magazine
- 2025-07-01 [Hawaii State FCU announces new board members - CUInsight](https://news.google.com/rss/articles/CBMijgFBVV95cUxQR2JqYjl0ZnJ2Qi1Qd2cwdnpkaUpRTjZ4NjhVZV9XSF9zU1ZYOWJ0ZURPU2FWVzRiNWk3YUVJMnE1TVI0ZDF3b2hqaDk2OEk0QWc2LUtXNTROOEd0czM1dGtkX3gyb0lIX2Izblc0SWdsUUxoRDhBaTBWLURhd29zMFNuWVkxWGZ5QVlaeW1R?oc=5) · CUInsight
- 2026-01-06 [10-year partnership brings Esports Arena to UH Manoa - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxOd0JMcjBjelp5ZGt0UUdLZUV0Z2FEcHJDRkZZMFJycDVWZ1U2MFJnUFRFeTROVXNPVWlaZE5FLS1CSWVzX09QeWpyOVpWcEZ3Vm9mWU5Zam92YXJJUmVhRVBPeU9QZHdrcVRVTDZHU015YlkyY3pMbGZ2ek9ad2lKcnFSa3ZtS0JFcWxZU05penpGTHJ3SFHSAaoBQVVfeXFMT0x2bERBckx0b1dWNHpqVDA2aGlud1gxWXNTYU5Wb3Rrak1yS1p5Vmg1cklBMDJsVUlRXzYzbFUyczBiU195c19XcmdBekROd3ZEZkphWXVUMmdBeUloX1RTUXM4UVBBYXFzQ3V3bkxCSGhmYm9LaWo5d3NZSTFSVTk0WTRyYzR3eTRtcmZ5eFdnb2NjeE1iaTFiQjhDTzBTMHdEME43WWctZ1E?oc=5) · hawaiinewsnow.com
- 2026-01-07 [Aloha Pacific Federal Credit Union to sponsor UH esports for next decade - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMGs3dmpTNmE2aG0wMm9jLUduRUM2MEJWZ245SXFHeUZ2NmUtU2t6YWxzbXhXWXV6R2w2UEd2MXduYVRYaldVR19iVGVDN0VYaldPRVQyQVR3YS1sanRhSjFuU0x6djNXY0RTcjZzRUs4d2U4VDhhNnVBVDVhNHlaNDhlY2FEVkV5RFVBa2lieC1QWlY3S0pPTTBndUFlUU5DaVp4c3NjOHRHS28?oc=5) · The Business Journals
- 2023-10-28 [Hilda E. and Stephen T. Nakai Obituary - Harris Funeral Home | Johnstown, PA](https://news.google.com/rss/articles/CBMifkFVX3lxTE5WcXlRZkJnNVZXZEpqMW42NDM1RGZGLUxpeWJSZTVtdGdTVWZsMjlyWkRLa1Z0ckJOYllhaW5pZF9qVkg3QS1ET09HN3pzM3otN2FEcElyMGlnekcyNG82Wk9HZm00Q0hFRXItVHNDU0VrWHBudEhaOFNfSTFTZw?oc=5) · Harris Funeral Home | Johnstown, PA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=10465 (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/33.json (key "10465", 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=10465
- 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