# HAWAII STATE
Honolulu, HI · NCUA charter 1718 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-state-1718

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 138,998 members of 608,834 potential (22.8% of the field); checking penetration 62% (share draft accounts per 100 members); loans per 100 members 29.

**Verdict on the desk:** this could be *ordinary*. 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 | $2.88B |
| Members | 138,998 (2.3% YoY) |
| Full-time staff | 383 |
| Net worth | $271.6M |
| Net worth ratio | 9.4% (p21 of band) |
| ROA (annualized) | 1.27% (p85 of band) |
| Total delinquency | 1.06% (p82 of band) |
| Net charge-offs (annualized) | 0.15% (p11 of band) |
| Loans / shares | 57% (p6 of band) |
| Cash / assets | 10.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.50% (p62 of band) |
| Operating expense / assets | 2.93% (p34 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 43% |
| Third-party paper % of net worth | 6% (p12 of band) |
| Vehicle delinquency | 0.12% (p5 of band) |
| Vehicle NCO | 0.40% (p12 of band) |
| Repossessed % of vehicle book | 0.18% (p79 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 121% |
| Core shares % of member funds | 45% |
| Certificates % of member funds | 15% |
| Average share balance | $11,109 |
| Participations bought / yr | $20.6M |
| Participations sold / yr | $0 |
| Participations outstanding | $108.7M |
| Loans outstanding per 100 members | 29% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $37,047 |
| Loans granted, annualized | $390.3M |

## Participation posture (from the same filings)

Bought $20.6M and sold $0 in the latest annualized quarter; $108.7M outstanding purchased (40.0% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 1.4% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 0 |  | charge-offs p90 |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | net worth falling |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 0 |  | delinquency rising |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | delinquency rising |  |
| 2018-12 | 2 | repo signal |  |
| 2019-03 | 3 | net worth falling, charge-offs p90 | repo signal |
| 2019-06 | 3 |  |  |
| 2019-09 | 2 |  | delinquency rising |
| 2019-12 | 2 | repo signal | charge-offs p90 |
| 2020-03 | 3 | losing money, margin squeeze | repo signal |
| 2020-06 | 3 | charge-offs p90 | losing money |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | charge-offs p90 |
| 2021-03 | 2 | loan book shrinking | margin squeeze |
| 2021-06 | 4 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 2 |  | delinquency 2x band, delinquency rising |
| 2021-12 | 2 | thin capital | loan book shrinking |
| 2022-03 | 2 | repo signal | net worth falling |
| 2022-06 | 2 | losing money | repo signal |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | losing money |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | net worth falling |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2024-03 | 2 |  | net worth falling, delinquency 2x band |
| 2024-06 | 2 | delinquency 2x band | thin capital |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 | thin capital | delinquency rising |
| 2025-03 | 3 | delinquency rising |  |
| 2025-06 | 2 |  | delinquency rising |
| 2025-09 | 1 |  | thin capital |
| 2025-12 | 0 |  | delinquency 2x band |
| 2026-03 | 0 |  |  |

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

- 2026-05-27 [Hawaii State FCU launches new high-yield savings account - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaElHc2RDUWFUUm9Dc0phQWtpdnZBbXZFb3hxSWhHQXlYZXpLVjNmMXZPcDBINHZUWlNNdzZ5Mk1EZlhwOVU3d19yU3FaYUxPUXZMZ3BPbDNnVm9HSVUyTk1RemgycmdGVUxGeldLWklPcXRJNHpleXpjNmdMX05ZcG9SYW02emJOb0tCeGwycWlnZUdlT2tOS0RqUFp0REVFSXc?oc=5) · The Business Journals
- 2026-05-27 [Hawaii State launches new savings option to help members build financial stability - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQZTJfdTVFcjJDWlpXNnJqZVdVOVZYOF96UEpJaXBvRUdyelhob0xDU2RrQWJDQ29XNjI5QzdaZExkc0hxRTRlbTNFc1hYa09ZRXRKWURYY2FuWldQV1AwanZrMm1mMDNMVWZUTEp4eVJTU3hEaE1seTRqQjNQN3RwMGtnd0dTbThHbmR4NXliY3hmb1lnOFFOSVRDVDNuQ1JYREUwZnUyYzczcEg5VUlNdVFzaU9UZ0VLZzNJZUdGTVo?oc=5) · CUInsight
- 2026-08-18 [Hawaiʻi’s Top 250 Company Profiles 2026 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVjMxZ1RFZDJaczl5S1hkYXJXdDJKSE5xeTZ1TjdzUkl5ZmRTUXBWVUpZQlhzbkhuZUVOUFc1VDMtblR4STRGOEl6dmo2dVgwanJsVkpjX21vWDU5MEtUTThCSzQ3NVZvZXo2OHpiZTNYVWlpZHRPS3dlQXVHdkx1Ng?oc=5) · Hawaii Business Magazine
- 2026-01-21 [Hawaii State Federal Credit Union marks 90 years of service in Hawaii - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYjZzVHd0TXloOU9pN0JaaGRzbHhnRktfbjJicHdwaW90TjNJdzJab2NHQThhQzNjdDRtM1JadHJ3RlhnSTlvMmJWSklxTEpNMl83aHhIMEgzXzQ0MEtuVDhqdEI1MkZ3dkxKQnNMQ1JWTXVOdTdzR0tLNHVGaHpIN3BOZHNSU2IxRndkN1lyZU9XMDdNVUZrTkNNYmNVVGVDM3BIRW1DUDIxNnFteUhJ?oc=5) · CUInsight
- 2026-06-22 [Credit union gives grants to Hawaii teachers for classroom supplies - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNYXZ1S3VUYThLZUlWRTItT2xMSEdtX3JUQUp6R05UaVhXSE9SUk5zdWljT2FEUzN0Mk54OTBvSjA0M21pZTEyUmpqVF95dFZwN1prYzd2a1dWQXR1MG1jZTZEbDYxMkNYSF91dDFZM0hJeDlGZThWMVByU25DNGs3NW9TVEFZX2VPeUNmSzdlNXk5RXFxSkk1bDZ0dEU?oc=5) · The Business Journals
- 2026-01-13 [Hawaii State FCU becomes first credit union in Hawaii with interactive teller technology at all branches on Oahu and Maui - CUInsight](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQWUt1N0lFMm84NkZQVEY5dHQzUWRreG1haUhNMU1zeHhFNEVJT1F5WmMyTWpMaGN1a1lLS0pBQjdSRXpUOEEwdk5kZ0kwekpSN0U0THJfZ0oxWWRTSllJaGwwcElZUzNJTFE1UHA5cWpZQ2hiTWlrX1VoczY4WGdzMGI0M01rZjcteHN6b01yck5VTmNscUxXUFd3YWhSakxLSUxPSGdBR3Ewd2w3WFhKY2lZNWhWVm1TRVhIRXlpcjVzRGdIRVpfYmdyVi1Gc1VKSFMxdDRmNHN5LWtZUjZoVVQxUnZYVlVyVkdxeVZBM1UzSDc1?oc=5) · CUInsight
- 2026-02-18 [2026 scholarships open for Hawaii high school students - kitv.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPR1VhVlNValdCalI5ZFlRckphNElkRktZNGpfWWpCRXppNjIxVHZRa2pSYXA2TjhHZ0hKcUNXTGhBOXkyaVlxSjVkemQ0bXBTUmFZODMySnNQNElCRzFjVnFmcEkzQnduY3NqUWl3RkhGakxTQ0dHZFJZeEItY21pQ0dISU1ocldUWHFaX1ZRbnlzb2JDQlpiSUNFdlc1QXVyc0xlSWQtV2FGbG1JT3V2MElxUDUxeFhiQldBR2FXankzczlSQlRwNVNn?oc=5) · kitv.com
- 2025-11-05 [Hawaii State FCU announces leadership restructuring as longtime exec prepares to step down - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxNRThJem00TWlSYjh5a2YxZGNVX2duTjNVZ0hxZlhWYWNoem51akVQVW41QkVTRklaYmUzN1FsSDdkOTNicWRaYjZDa0laWkUtZ2JKOC1UcFlpUmVXbjNJLXJUS09WaUdManRVcFlPczcwQXhueGJkQ015dEhqeW9EYk9rYTZYZ09SRkdYUA?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1718 (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/54.json (key "1718", 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=1718
- 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