# TIMES
Honolulu, HI · NCUA charter 12720 · asset band <$50M · latest filing 2018-06 · stopped filing after 2018-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/times-12720

Who the members are: federal charter, multiple common bond, organized 1959. 932 members of 3,200 potential (29.1% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 158.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $7.3M |
| Members | 932 (-19.9% YoY) |
| Full-time staff | 1 |
| Net worth | $515,491 |
| Net worth ratio | 7.1% (p4 of band) |
| ROA (annualized) | -3.11% (p2 of band) |
| Total delinquency | 0.45% (p38 of band) |
| Net charge-offs (annualized) | -0.40% (p3 of band) |
| Loans / shares | 29% (p11 of band) |
| Cash / assets | 21.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p33 of band) |
| Operating expense / assets | 6.24% (p94 of band) |
| Vehicles % of loans | 42% (p33 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.19% (p37 of band) |
| Vehicle NCO | 0.39% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 50% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $3,683 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 158% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $1,325 |
| Loans granted, annualized | $510,400 |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | delinquency rising, members leaving |  |
| 2017-06 | 3 | loan book shrinking | delinquency rising |
| 2017-09 | 4 | delinquency rising |  |
| 2017-12 | 3 |  | delinquency rising |
| 2018-03 | 7 | losing money, delinquency 2x band, delinquency rising, assets shrinking |  |
| 2018-06 | 6 | expense trap | delinquency 2x band, delinquency rising |

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

- 2026-02-04 [Credit Unions Ride High on Net Interest Margins - CUTimes](https://news.google.com/rss/articles/CBMiiwFBVV95cUxONmJXYXFFT01zTGtaQ2FiRmhOWHFwWE1ja1FXc1h5bVUtSzZSRVNWQmhubDhBU1BOXzR3MzA4Y3VFcVFBRnppSGFJcFMtaVVOd0c0SGI0Sm82OXNLMmowZHVqcnExa3RWRnU5M0YzazVhMmVDOV93aEVDV3djR3lHZnEyNk9SaHdyWHpv?oc=5) · CUTimes
- 2025-11-19 [Here are the 3 times a credit union is better than a bank - CNBC](https://news.google.com/rss/articles/CBMif0FVX3lxTE9WTnRQaU54UmswQ0hQRDVmZUozOUZiRTU0YTFGS1JxQmFMaGVLVWV3eVhTdlJ2UFNlNklvbFR5S1FMSl9fangwY0VhM1RRRDhMYjNfY2ZSYk9wZlBnMkM5Z3N5N3hlREdWZVJldVd1VmhWWjhHQUR6Q3dPUXFKQWvSAYQBQVVfeXFMTTlzd2ZYb1B5bmVQOVVMc1ctTmQ4cTc2MmItWTQ3WXd6NVVQUDNBV3dmbjBQdEhibWRnTXdKOXRvOGZtRWE1LWVvODdraHFsQWFWaUgzVU1wTG1HdGdXRk9OMlVFMG8xZWxPT29DcTRLR0xwSlEyc2JDSzlGSTZza2JUbWtj?oc=5) · CNBC
- 2026-07-07 [Waltham High graduates receive Officer Paul Tracey Memorial Scholarship - Waltham Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxOaER0VmNEQVBtNC16UGpNV2p3SDlZRjNBMWs5STVHZ2dFMjNmVWs0Qk9NZS0xNHQwdXdyWUpjWTg3alQzUmxyN2pJV3ZWSmNSNzJUczFXV0RBalNSZ3BiaEgwdzMxM283aFRuNnJtczBCdm8ySU5abHpXUHpNc3dPajBPLVBzNlVOa2h1VmVIVHRoemJKQTQ2MzBIRHppdF9CLS1PcEdsRVNoVE9C?oc=5) · Waltham Times
- 2026-03-31 [Credit union on fast track for second location - thebusinesstimes.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxQeDQzVVpJY083M2hZeVNZdVpjcDhfR0tnSzZlb2xIbEg4VG85MzlaNEh1SHczQjlPdnNGYnZlb3FIV0ppTXdySjVZZ2RfeEhTRGpxNGo3WHhmUGwtc3FZY2lMRGNKa3pWYWtHMlB4eE1GQ21neFRDSE5XSDJQUTNmenlB?oc=5) · thebusinesstimes.com
- 2026-03-16 [‘It’s Just Crazy’: High Car Payments Make Ownership Feel Impossible - The New York Times](https://news.google.com/rss/articles/CBMijAFBVV95cUxQWjN4UHpHOEJuQ2tnbmdtT202RF84a1Nha3F0LWJSN1NtX00zZzg5WW9Cb2JFZWtaeUo2TTFsZDNkMktiNkpNemZfMTU2RHBCbXlJbC1KbUhTQWpOUmh4RGoyNjNrOEIwQXBFTDYtdjFrSFZzSHpfWkRVVFpvaFpqX3A4TWotMVJabGpXTQ?oc=5) · The New York Times
- 2026-06-17 [High Marks for MCU - Manhattan Times News](https://news.google.com/rss/articles/CBMiekFVX3lxTE41a2RQUUdOWU9Rdjc5ZFhSR0JsOEw2dGhBT1dGVjZPcDhDQTgyTE05bVNpWlNCVFpJZGtNdFFqeFNnWTd2S2JfZXdCbFNfTzlrRGNPakJKckRHSDJYalZLVnRpbG9wWlNMREpQS0lkUEpJQ29SeTZUTE1R?oc=5) · Manhattan Times News
- 2026-04-12 [GV High School teacher among the annual Excellence in Teaching honorees - Delco Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxQdEF0N0sxNUJGbVpiUjFyVElBZm9ud2xuY0ltWTB2QjNGT3pTcXBiSUp4QktpUXZFYTZTNUN5SmpWa2RWY2V6bjJxTkJYbm5CNGRCWk42VmtneFNmeE1wUnZ4dE9mX3BrN1IwdkpKX2MxWWZCdGlrR0RidHA2OWRaNXJCNV9ZSVlLMFBHM1JXczg0eXZxWngzdk5TbUlCWjVjY3d0b1IwaXVVRnVQR3R3?oc=5) · Delco Times
- 2026-05-30 [High Point FCU awards scholarships to collegebound seniors - Olean Times Herald](https://news.google.com/rss/articles/CBMi1AFBVV95cUxOc1Fad3FQVkwtMFZ2ekU3aDQ1OVhlSlZUdnhneXpEYVlUMnVUV0wzNFVDMkJWV1pjYlhpOXdpWjZCY3NMOWlQbXA2ZC0wbEcxUnJsRy1FQy1RWjNWRFpzUlA2V08zdlVTSEVaazhzQTl0bHZZWmlyZlMwbk1ULXM1TFlOVDJvdl9aTFJtMjhVUGd2aTFfTkhmamdlVzJXM1Z2RGRyVjFQV3ZfZk0xeF9MQm1YMzQxNXlWdEJlQmw5VC1zV254bEc3eVpzWTBaUTBiZEthdA?oc=5) · Olean Times Herald

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12720 (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/48.json (key "12720", 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=12720
- 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