# KAMEHAMEHA
Honolulu, HI · NCUA charter 11553 · asset band <$50M · latest filing 2023-09 · stopped filing after 2023-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/kamehameha-11553

Who the members are: federal charter, multiple common bond, organized 1957, minority depository institution. 3,505 members of 30,813 potential (11.4% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 22.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.2M |
| Members | 3,505 (-4.8% YoY) |
| Full-time staff | 4 |
| Net worth | $5.0M |
| Net worth ratio | 12.4% (p45 of band) |
| ROA (annualized) | -0.19% (p14 of band) |
| Total delinquency | 0.89% (p61 of band) |
| Net charge-offs (annualized) | 0.72% (p85 of band) |
| Loans / shares | 42% (p25 of band) |
| Cash / assets | 26.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.52% (p19 of band) |
| Operating expense / assets | 2.76% (p34 of band) |
| Vehicles % of loans | 31% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 52% |
| Third-party paper % of net worth | 47% (p92 of band) |
| Vehicle delinquency | 2.84% (p88 of band) |
| Vehicle NCO | 2.07% (p97 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 86% |
| Certificates % of member funds | 10% |
| Average share balance | $6,909 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 22% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $18,653 |
| Loans granted, annualized | $2.2M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, delinquency 2x band |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 0 |  | losing money, delinquency 2x band |
| 2017-03 | 1 | loan book shrinking |  |
| 2017-06 | 2 | net worth falling, losing money | loan book shrinking |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 1 | members leaving | losing money |
| 2018-03 | 3 | losing money, delinquency rising |  |
| 2018-06 | 3 | net worth falling | delinquency rising |
| 2018-09 | 3 | delinquency rising | losing money |
| 2018-12 | 0 |  | members leaving, net worth falling, delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 4 | losing money, charge-offs p90, members leaving |  |
| 2020-06 | 4 | net worth falling, loan book shrinking | delinquency rising, charge-offs p90 |
| 2020-09 | 3 |  | loan book shrinking |
| 2020-12 | 4 | margin squeeze |  |
| 2021-03 | 2 |  | losing money, net worth falling |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 0 |  | members leaving, delinquency rising |
| 2022-12 | 2 | delinquency rising, assets shrinking |  |
| 2023-03 | 4 | losing money, charge-offs p90 |  |
| 2023-06 | 2 |  | losing money, charge-offs p90 |
| 2023-09 | 4 | losing money, members leaving |  |

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

- 2023-12-10 [Hawaii State FCU appoints Jessica Baricaua and Loren Nakaoka to new positions - CUInsight](https://news.google.com/rss/articles/CBMiugFBVV95cUxPWXEzQ2RGQTZoQlcwMWIzVFJLX3VmMFZ1WWk4WllxU1hob21sbXBzLS1VSS1uczJFbnJpTThaXzBMeW9QZm55YURjNHFCNHRDRnZNNHdFdE9EVXRubFBMR0lwbnVWOFJMbDI3dDNpWmR3cFdjTjBvcDlqYXFkcUFFQzRRNkp5UnJ0MHRCZ3p2VUhhaGVKMnp4R2VreHVtV0hOZWdVRXFtaXNXeEZKZmZZbWtFME1rS0lwQUE?oc=5) · CUInsight
- 2022-05-24 [Wailuku student weaves storytelling, culture to win free tuition - University of Hawaii System](https://news.google.com/rss/articles/CBMifkFVX3lxTE80WGI5dlZGRVZNaUktVUtkSUN5OG5YTWFYT0p6Q1dDTlptNzl1Yjd0TDBzc2xWdUU1eGsyX0ZrQWE0OXhGa3F3YWltbHF2Nld0c183MHBqVFhRUXl6VW5JaTR4WXFHYjhIYjNHUTlBMHVxN3JxT29ya01jQVFMdw?oc=5) · University of Hawaii System
- 2021-05-24 [UH Federal Credit Union 'Take Me to Manoa' contest supports students' dreams - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMiugFBVV95cUxONzZJeFNaWkdVVXNxcm14UVV2QWdOdVBWVktrYjRyMTFLMWtiNmdRTzFMV09CeFJPZmt3Z1R3Y240Y3ZteDJBUDRjZDRVMjN1TS1DQXZVa3I3WXBnZnFhSnVhYmo1Tm5zQ2NkZEs4OXA2UVlWXzVWMFZNZVZJTFRtWm40WmV0ZzhzcWE0bWEyRGxzaFFLWHZiT1RFS2tOd2x6SXIzRGFVNGVFc3lyMEltRWxFS05ERXlVNWc?oc=5) · hawaiinewsnow.com
- 2022-07-04 [Candidate Q&A: Honolulu City Council District 6 — Ikaika Hussey - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMilwFBVV95cUxNQjBERndQaXcwZ0JNNExWbDdqWkV1RGs2SkU3NkZqd0o4U256Ujdha09HUE8xY09WT29zZ1p6S0FpZ01Pemk5U1pEU2lhTzlMRWpaRjlQZ3lFaG5hRjVzTUE4T0lzS28wcjZsdGNSZkZYaEdEZGFzLW51bk94X3FiWE8yWWpTbWstRFdsSGJXWVduUUI1eFpB?oc=5) · Honolulu Civil Beat
- 2020-06-05 [Hawaii State Federal Credit Union reopens 5 closed Oahu branches - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMivgFBVV95cUxOS1VEOGtUMXhNLU1JTFdaOHB3SFJDY3VYNzcxSDlFWThnUEY2N19POVhENUF3TmxZQkRmcGcxNklKbXNEcndLMVBYM283QnRDM3d6alRZQTctanhVcF94eERud3pMZDlLRllWZzh6MFhnOXVlT3EzY0VkaEU2TVNMSmdTR2pINFRDeHBMNkpiYjRvSmM0WklKMkhfbFh4LWViRzZBR3VsS3hXdjU3dnU2SVJhVWhFSnBWbERUSmJ3?oc=5) · Honolulu Star-Advertiser
- 2024-08-16 [Maui County Federal Credit Union awards $10,000 in college scholarships - Maui Now](https://news.google.com/rss/articles/CBMiowFBVV95cUxPMzNhUXhBYUlTSTZCcUo4eXJHeFV6OFA5NmhnY3g3RWNaX1VKNFc0LVo1c0FXaUkzZ21rWGJvSWZ4cXdnWGQzV2lJenJHamU5VXpuRjE2UV9GYmZ4Smp2ejVIa2QtRkdzSzJnTFNHSkpoeGU4UUhkWVBGaWpsLXlqZDJzcXZ3X3RjdzNHWUlzdUVkSzdQakV3T2JjMWFLcHBYUXow?oc=5) · Maui Now
- 2026-06-24 [Salvation Army Kahului Corps calls on community to help Maui students - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNb09DMkUzSjBYREJvX25TR2c2ZFNrM1I4OXI1SzVpTGY1bHdLd200Qm9MdVFnQzZvRDFCRmVLZFhjS011UFNubDEwZnZ0aF9QTjlfSlhyRmotRDZITzByMDl4bE9janlVOUg3aXZlS010TGU4NkpxNncxRFQzdFlSWF83c2pxeXd2c2doX1JEdmtCcUJ5WV96Rk41Wl9jM29IRVpXelhqVURSTnpGcUlrR1BESDdVdHVzRHltSF90MVc4RmM?oc=5) · spectrumlocalnews.com
- 2025-06-15 [Donald Bowman Obituary (2025) - Honolulu, HI - hawaiiobituaries.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQcnVVY1FDQ0M5YVo0eUhZNlBBVmloYlZDMkVuQUJaZzFTMGZuZy1nSU9Yb3Y0SGRGTGE0VHZaVE4waGFTd3VxVWtGM2Nrd3VyV21WX2hnX0tKV0ttalNsS2ljN3BpVzJIQm1MM3V2bW5GaG9pZlFjMlphOXBLWGI3UUttaW53c1pUZmJ2TW96TEhIT1AyTWR2Y1JOeDFLRGtV?oc=5) · hawaiiobituaries.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11553 (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 "11553", 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=11553
- 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