# HAWAII COMMUNITY
Kailua Kona, HI · NCUA charter 1719 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-community-1719

Who the members are: federal charter, community charter, organized 1936, low-income designated. 45,859 members of 200,629 potential (22.9% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $805.0M |
| Members | 45,859 (1.2% YoY) |
| Full-time staff | 122 |
| Net worth | $77.3M |
| Net worth ratio | 9.6% (p34 of band) |
| ROA (annualized) | 0.61% (p49 of band) |
| Total delinquency | 0.65% (p56 of band) |
| Net charge-offs (annualized) | 0.26% (p29 of band) |
| Loans / shares | 56% (p8 of band) |
| Cash / assets | 6.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.91% (p17 of band) |
| Operating expense / assets | 2.94% (p19 of band) |
| Vehicles % of loans | 13% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 44% |
| Third-party paper % of net worth | 35% (p33 of band) |
| Vehicle delinquency | 1.52% (p90 of band) |
| Vehicle NCO | 0.66% (p38 of band) |
| Repossessed % of vehicle book | 0.11% (p68 of band) |
| Real estate % of loans | 67% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 48% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 24% |
| Average share balance | $9,180 |
| Participations bought / yr | $0 |
| Participations sold / yr | $1.6M |
| Participations outstanding | $36.1M |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $24,582 |
| Loans granted, annualized | $114.3M |

## Participation posture (from the same filings)

Bought $0 and sold $1.6M in the latest annualized quarter; $36.1M outstanding purchased (46.7% of net worth), $646,282 sold and retained. Sold in 7 and bought in 3 of the last 8 quarters. Shares 3.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)

## Warning timeline

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

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

- 2026-01-01 [Hawaii Community Foundation CEO Terry George navigates nonprofit funding crisis with new coalition - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOb0VDZXljdGVqdVVsMnI2ZGdlOFBKNkpRLUJULUUtTVdwdkJ5dlFJeklHajJsOVFySnNZU0hZN25yNWdXdnhkMXhYRnZ5c1ViSUZNNldoUlpMM09IbTVnYnBPckprbmRfMkNvSERfdUpfb1A3d2h2Y2JfeVhyR0RWTTdFdFlTczRKWmNhMXpSeWhjclRPSnpJMmRxclktQ1JCM2o1Y0hxdDk5RjA?oc=5) · The Business Journals
- 2023-05-17 [5-17-23 HI-PAL Assists Keiki Rodeo in Hilo - hawaiipolice.com](https://news.google.com/rss/articles/CBMiekFVX3lxTE1tWk5PMHRhQlQtYk1EampEQjM5MXc1MS1NcTJvRVVWM095REl4X2lvWUF5Vnp1MXBiQlNrNHYtdXRQYU45Yk5xNDZ6eWgwdEJGUk9SZTI0R1E1dEZ6Mjg1WG03RnliWThNbjdTSDE3NDZtbExCRk1tLWNn?oc=5) · hawaiipolice.com
- 2024-01-15 [Thomas James Griffiths Obituary Jan 15, 2024 - sumnerfuneral.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1jMW1rcEdmaHBOb29xXzB5UHNoYVN6Vk4tanpDVTRwNUpza21STlZvMmtVUzlqWkc4Qm1YYWtyN3h6ZmVZcEdVdTZOUmFLS1lpTUxQUV8xUVE3SHVqVnFzQUxTZlZfSGVw?oc=5) · sumnerfuneral.com
- 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
- 2026-03-30 [Hawaiʻi’s Top Employers Profiles 2026 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE1GTUVWUUZIRzBOWjBNdFpQWmlpS1JUUjFFQWI5RXdpSEhNZGdfX3R4V2RKUHp1VHBIRlc1ZTEwRjZsN3c4T1hYcVRPZFhiY2Z2NkhrVHZfZ3JYLXl1NmFTYThyWkNuT2dieGcxLWRlRE1XYnNiMDZIeE9WMmJCdw?oc=5) · Hawaii Business Magazine
- 2018-10-22 [HCFCU Back to School Drive Supports Thousands of Keiki - Big Island Now](https://news.google.com/rss/articles/CBMilgFBVV95cUxOYjg0SWVKRnVGcU1UZmxjemRzXzY5Ykp1amhvUXp0TWVMYkxMTEZrUEZrVldBTFR0eDZyOGRkLXB4S1ZqeVNydDRjWjBCWHhDczlrelNnNWRNODktci11S1pzWmRnZ2pUYnhmSklscjJLRmlQNV9sSFFZMHRGT3F4OXBWQkZZamxiSjRyS3hsV0I4MFFncmc?oc=5) · Big Island Now
- 2016-07-13 [Credit union awards 8 scholarships - West Hawaii Today](https://news.google.com/rss/articles/CBMikAFBVV95cUxNOElrd1lMX3dreXRxS2p4SWljRWVadjJkVWN4R0FsaHY3TUtpS0pjRVJ4X09hSjU0cW5IaHJMWTd1WWhKcUNxaUZFdFhwN0xUYXRjc0xiOTlPdFdMbmtVUDZ5ejl2d0ZnaXlPWDNIZWNtTUdiRmRndjE2TzRWcUc3VUxDZGplcjRSb1FMb2poQ2c?oc=5) · West Hawaii Today
- 2017-12-08 [2017 Black Book: 326 Profiles of Hawaiʻi Executives - Page 5 of 13 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBhV3ZNVldfaVN4Y3JSVUVzMlZ0cDVZUThIX3RuTE1mVjVnNU42NldtWEIyS1hGR2tNRXVqdTNLdVlkWm1fNmpubzBSdUlYWVZRNnhUSE5peHJ3UWtrRWc?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1719 (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/55.json (key "1719", 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=1719
- 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