# HAWAIIAN FINANCIAL
Honolulu, HI · NCUA charter 1717 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaiian-financial-1717

Who the members are: federal charter, community charter, organized 1936, minority depository institution. 51,839 members of 1,162,435 potential (4.5% of the field); checking penetration 46% (share draft accounts per 100 members); loans per 100 members 16.

**Verdict on the desk:** this could be *quiet fade*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $1.11B |
| Members | 51,839 (-3.4% YoY) |
| Full-time staff | 91 |
| Net worth | $129.7M |
| Net worth ratio | 11.7% (p68 of band) |
| ROA (annualized) | 0.74% (p53 of band) |
| Total delinquency | 0.61% (p49 of band) |
| Net charge-offs (annualized) | -0.01% (p0 of band) |
| Loans / shares | 59% (p7 of band) |
| Cash / assets | 14.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.15% (p4 of band) |
| Operating expense / assets | 1.89% (p5 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 62% |
| Third-party paper % of net worth | 9% (p13 of band) |
| Vehicle delinquency | 0.09% (p4 of band) |
| Vehicle NCO | 0.19% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 94% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 3% |
| Core shares % of member funds | 35% |
| Certificates % of member funds | 44% |
| Average share balance | $13,948 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $285,908 |
| Loans outstanding per 100 members | 16% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $70,817 |
| Loans granted, annualized | $93.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $285,908 outstanding purchased (0.2% of net worth), $13.2M sold and retained. Sold in 4 and bought in 0 of the last 8 quarters. Shares 6.9% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, delinquency rising |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 | loan book shrinking | net worth falling, delinquency rising |
| 2021-03 | 2 | margin squeeze |  |
| 2021-06 | 3 | net worth falling |  |
| 2021-09 | 4 | repo signal, members leaving | margin squeeze |
| 2021-12 | 2 |  | loan book shrinking, net worth falling |
| 2022-03 | 1 |  | repo signal |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 2 | net worth falling | delinquency rising |
| 2023-06 | 0 |  | members leaving, net worth falling |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 2 | net worth falling, delinquency rising |  |
| 2025-03 | 2 | members leaving | delinquency rising |
| 2025-06 | 1 | delinquency rising | net worth falling, members leaving |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | net worth falling, members leaving | delinquency rising |
| 2026-03 | 2 | delinquency rising | net worth falling |

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

- 2026-06-13 [Why Hawaiian Financial FCU Was Just Voted Best of Hawaii #1 - kitv.com](https://news.google.com/rss/articles/CBMi6wFBVV95cUxQUm9YczJheWxjMTMwb0V5T3FlRHpuNnJjMkdqMlA2eTFxU2NneW8yY1JMa0pLbTZSdEdKbFYtQ2dPWG1QenBmQnZ4Q0lndUluVDFyREhYQnp6SklZdkZsTE5uT1NySEdRQjdhUERYclgyejRDNEdVMGMyWHBVa3JqeUd0OUlPVkdsNndkeVN1MUxPQkllN0JaRmJ5dnhobnZDd0JINGxNOWJHSzU1R1JYTFRtVVJnT2NzSkJ5X1BLZG9qZHpQVElmc21TeGtlTVMzTzhoZ1dyX2dTNVdIQ2JkcFc3R3ljUmNxYmFZ?oc=5) · kitv.com
- 2026-09-02 [Hot Shots: 9/2/26 - midweek.com](https://news.google.com/rss/articles/CBMiU0FVX3lxTE43Wk1KMzNob0llNHBDQjF6TEpObEt4cnZjUlFfdTN6VEdWUWF5YVcycDFneGlOOTNvUS1FQVhZTjZHMEFTa1VQbnVud2dzdzRyVGdn?oc=5) · midweek.com
- 2026-07-08 [Help Hawaii Students thrive! HIFICU School Supply Drive through July 31 - kitv.com](https://news.google.com/rss/articles/CBMi_AFBVV95cUxOLXM1eVFxd2ZmMkRuRENOUDU0ZVAxakRsT1BvX3pHb0dwclZaY1BvbEVqbWszaU5NcTF3ZTBLMkw1ZzRKQzBCemFfYnF3S0dnQUprR0Vkdl80UDl6Zkh0UmNvTWVJWjFYR3YxTkV2QUxIMEFONzVreHgtdlhBTDg0Nm9sRlF1N2VwX0VzWDlZSzRxeXpPRHJWSXU0Tk5iSkM2dkZRa1JyUldkc2tSUG1GY1o5dWVwU1BLVktxdjJXaU5KM2xaMkxFZnRNWExmcTJSWnVhTUhxTGQ5dnlpeThUSExhS1BBSEpZeEgxWEZONk9vVjJRLWZ3cGRQLTU?oc=5) · kitv.com
- 2020-12-02 [Hawaiian Financial Federal Credit Union Donates $5,000 to Maui Food Bank - Maui Now](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTkNwel9MQTItS0RSdm1kVjJoSGdHNVM0Zmk0eDNfY1BBQnE5MmlsU05ETzB4VFNPbUk1Vk5CWDRkQW0tb0ZOajdpbWN0OG9yYVFiWG4zaWltY2VmOGl0QzdldU5XOHliZDNtS29ycWk2REVsT3l5V0FBX2dwdXBaN3FTNWxZTW03V29XU190X0w5NUZ2OTc0Y0p6a040dlZwTXFUTA?oc=5) · Maui Now
- 2026-06-26 [Hawaiian Financial Federal Credit Union Collecting School Supplies - kitv.com](https://news.google.com/rss/articles/CBMi9wFBVV95cUxPMEN5RVdBYXJoemxwcXE4V09KY0xKNTBabWNhdmdmUFV6azRtR2dFNmU0Q3k0XzRzVVdxMlAyQ2NDVlJLb3YyX0JfclJQRnVZUFlvSG5oZWRWMjk2d2o4ZEVnbFNDNFVmbzZ3SERMSUNJREJEam5Mejgtd3Q4ZEpsZ0NqWlJFWlVYaEQ3MTk1Vk5RM2dvbkphSEIyMFN4YmdwY3RhUlVtTVZoUlVpM002eTZicUk4dG9mbG94NTFJaERoWlhxbFVRdXlUR0NMUjNGQzN0NnlHV1VvT3RzT2VtY20yVVFUaEVuVWxrLWNpWHpUN29rTVJz?oc=5) · kitv.com
- 2023-01-04 [The Order of the Day - Hawaii Island MidWeek](https://news.google.com/rss/articles/CBMikgFBVV95cUxQakg4eGdsdXBkNTBXbVgxelB6eHJPZjNMR0lGODBsdWdpbHhwUnZzLUFGczZaNVpLYzlDUk5VbXk1RmwtSGlTOHRLQktjOC1mU1hGcEt4dE93TE9lTjR4Sm5rTHE3WmQ1ei04QkFWRHFqRXI3Ulo4LV9kZDhONXZaTzFGRVlaSzAwd3daNFFDWHZmdw?oc=5) · Hawaii Island MidWeek
- 2018-09-07 [Hawaiian Tel FCU changes its name to Hawaiian Financial FCU | Credit Union Journal - American Banker](https://news.google.com/rss/articles/CBMirAFBVV95cUxPRW5aN29xYnJINXJacEV0RWJFaHN2NzVhbEFiX2J5Y2dTQlVuUmZCeFFSQThOZHpfekZaQ2tHb1gwMGhxcEV5d3hFMkZybU5vem5qSnR1dkVSeVA4Q2VXZzdBaVR6UW45UmoyUFp2cEI4WHVhUnVKWUROVnRxa3pLNkpNZEF0TUl1QUQtYWZDY2ozWXhKYVVGS2ZuZmxhMXlTZEd0Qmx4MExGMVdP?oc=5) · American Banker
- 2022-05-05 [Hawaii Credit Union League Board of Directors announced - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTXFpN213MGhOUmttSUdtOFE0X01pd3hUZ1VpTWRTRDk4b1F4czFicXYzR2pLMjZuQUFlWWtpVXJaR2ZKYXBCNHBySy0zZkFKN3YxcElMdGVmX0hYcG80ZEFja1R5RWY0MHF6M3BDTTlMNFlqZGhUamFmd1NlRG1xVDRXUVE2TnBUeHJnRFZxMWVUSDc5d2FDOFZTaGI?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1717 (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/53.json (key "1717", 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=1717
- 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