# GLOVER
Honolulu, HI · NCUA charter 12613 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/glover-12613

Who the members are: federal charter, manufacturing (single sponsor), organized 1958. 187 members of 500 potential (37.4% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *auto monoline*. 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 | $2.5M |
| Members | 187 (-5.6% YoY) |
| Full-time staff | 0 |
| Net worth | $871,399 |
| Net worth ratio | 34.5% (p95 of band) |
| ROA (annualized) | 0.98% (p69 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 44% (p29 of band) |
| Cash / assets | 72.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.34% (p7 of band) |
| Operating expense / assets | 0.64% (p1 of band) |
| Vehicles % of loans | 97% (p100 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $8,824 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $24,111 |
| Loans granted, annualized | $450,792 |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 1 |  | losing money |
| 2016-12 | 1 |  |  |
| 2017-03 | 4 | losing money, assets shrinking, members leaving |  |
| 2017-06 | 3 |  | losing money |
| 2017-09 | 4 | loan book shrinking |  |
| 2017-12 | 3 |  | assets shrinking |
| 2018-03 | 3 |  |  |
| 2018-06 | 1 |  | members leaving, loan book shrinking |
| 2018-09 | 2 | members leaving, loan book shrinking | auto monoline |
| 2018-12 | 2 | auto monoline | members leaving |
| 2019-03 | 1 |  | auto monoline |
| 2019-06 | 1 |  |  |
| 2019-09 | 4 | delinquency 2x band, delinquency rising, assets shrinking |  |
| 2019-12 | 3 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2020-03 | 3 | members leaving | charge-offs p90 |
| 2020-06 | 5 | net worth falling, auto monoline |  |
| 2020-09 | 4 | delinquency 2x band | assets shrinking, members leaving |
| 2020-12 | 4 | delinquency rising | net worth falling |
| 2021-03 | 3 |  | loan book shrinking |
| 2021-06 | 2 | charge-offs p90 | delinquency 2x band, delinquency rising |
| 2021-09 | 3 | assets shrinking |  |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | losing money |  |
| 2022-09 | 4 | members leaving |  |
| 2022-12 | 3 |  | losing money |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | losing money |  |
| 2023-09 | 3 |  | losing money |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 | net worth falling | assets shrinking, members leaving |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 2 | members leaving |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 2 |  |  |
| 2025-12 | 4 | assets shrinking, loan book shrinking |  |
| 2026-03 | 4 | margin squeeze | assets shrinking |

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

- 2026-02-12 [Karolyn Glover named Credit Union 1 Community Champion by Mountain West - University of Nevada, Reno](https://news.google.com/rss/articles/CBMingFBVV95cUxPenlFaVJlcEY4R2ZvQzh1UnB2akZnTkR0d1FJVWxIX09uQzNtV2J4bHZURW96TU1ON2c2YTFGZWswMWdaY1pqY2FCcktzanNqSi1yNG11b2MxUlNrSnNmeGw2M1dBdy1LOEs3aEVhdUs5clJtVy04cktnY0pyemxzMzhKYzBDRkExT1FDMjR3Y05MTVJQbEJqcnF2WEdUUQ?oc=5) · University of Nevada, Reno
- 2026-07-23 [Ivy Glover shares why our Stuff the Bus drive matters at Wright-Patt Credit Union - WKEF](https://news.google.com/rss/articles/CBMiuAFBVV95cUxQT1BnNjgwWGNoMzY1b3Rpb0ljbEFITEhtb29DRGdVczdwSVZjNmwwUTZpWmt1eW9COXlxd2VxbTF6Nk5UeUZXWTVweTNtekxZMFIzYUM1N3YtYVdpMGY4RVFseTRQckpGcXc0YkpyWTZrWlIwQnNnWXlRYXdhcUNhbzZfUGV6bEFfWGRISHpYdkNWWjhzVFNWUFFrd2RxRXNOZGVkZ0c3OEdrT3pURDdwejIzeFdVck9E?oc=5) · WKEF
- 2026-04-22 [Scholarships awarded to students across the state - KBHB Radio](https://news.google.com/rss/articles/CBMifEFVX3lxTE1QZzA4cGJqUG1pWmtMMm9xYVEtREJxRjl6cTIyakN4ZnN0cDljb3JiTUlhRGJSa05UenRZUEVFQmlGVEF0d1ZDSDZCVjNUaEpzdDllbkhXOGxXSVZaX3ZWNGJrTVVURGRKY3JrZ29vR21pd3lyQ2Z2RnN2Slc?oc=5) · KBHB Radio
- 2026-03-01 [Owings Claims Second Straight State Title, Glover Adds Gold for Central - KSAL News](https://news.google.com/rss/articles/CBMilwFBVV95cUxNUXZ4ZjQyMDV0Qzc4S0t0WlRuOGNsNERMeVptU2hMd1RwZ1A1RHY4eUlTazZiNlYwQWFfLTl5RzhJaGNqVVNrWXVfTWRac0ZFakFJRG9Jb1dFNFBDenhBdmhaUG1tckhKSm9COVYwcjNROUZualpYZ25ubm9kSjllSmZRMmZUbG9zcXYyQkI0RVRtRmdTUUpN?oc=5) · KSAL News
- 2026-02-28 [The top wrestlers from Shawnee County head to 2026 State Championships - The Topeka Capital-Journal](https://news.google.com/rss/articles/CBMi5AFBVV95cUxNdHAyVFBWUndnQ21kVmVuRm1SdmROd1B0LVU4UGR4R2hMVkp1TWU1VWliR3NhYnkwdFRITkwtLW96SDR2blhDWHc1RkV5QURjZzU5amYyS0VtN0wxOFg2Qkw4WXlEbXl5cXJvemtrMVlzTzNDME1MMnNzdmxET0NlbVpLS1c1NGhHbV8xRnZsWDBmMkp1dXhyRlJGZkdxRnNZSl9aaFp1TDFUaldSQ0FnVjRVNmQ4cEpYUTdhY1NXb1kzbHRBSmxBaEQ1RGNsQjVGWTJSV0RHbWZ3UGNVUS00OFlTOVg?oc=5) · The Topeka Capital-Journal
- 2025-12-10 [Marianna moves on from head football coach Jack Glover - WJHG](https://news.google.com/rss/articles/CBMihgFBVV95cUxOM2V3YXB1VkhaVWJVV0NHMzlBNW4tN3dFNmhGTXhZcTlKcGphbGxTREd1RFN0ak52ajRFU0RQLVJsOVNubi1pWkRfSU02dTVkOFJMeUxMc3d2N1lNSjdoeXEySndyLWFqUEt1Nmc4S2lqZlRkb2F1LXAyZDVfWDFIek1XTW1zZw?oc=5) · WJHG
- 2026-04-23 [Burbank High School Speech & Debate Team Wins First State Championship - MyBurbank.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxPZGxtNTAwZTh3UWlDaExyN1lhb2lEbURTdXBiNFZ3LUh2MUtyT3djMlk5cC0xTF82OEJyeWZ3MC1iNGtfNXFRTE1NTF9HV0pWcE5hYnNSOVRNN1ZTcEsyMVN0RzhmdHZvU0lXdGVnVXl1cnBod005TEFTQUd4a1ZmMnBPdmxzS1czbUlmc2t1NmJ6NzQ1LVE?oc=5) · MyBurbank.com
- 2026-03-21 ['Great host city' RVA prepares for 50,000 visitors as Jefferson Cup soccer tournament begins - wtvr.com](https://news.google.com/rss/articles/CBMioAFBVV95cUxQeHE4SVFoTDB3M3kwelBwVDA2SVdBbDRGTkRINnRiYXdQMGRrdDBsdEpZRnpBMEN2M0FpeTFiY2t6SnY3bC1jRW1XOV9MZXY1LWpoLXBzbVNxSm9TMW1qaENJcl9RdHprOGR4dGduV0hLTGVUQ1BBMFhabVJoNmlPcHpJWGhhTmRhMGFieFlFU0QtblZrRFdYUkluVXZrLXUy?oc=5) · wtvr.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12613 (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/5.json (key "12613", 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=12613
- 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.

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