# HAWAII COUNTY EMPLOYEES
Hilo, HI · NCUA charter 1784 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-county-employees-1784

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 5,930 members of 7,000 potential (84.7% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 56.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $145.4M |
| Members | 5,930 (1.0% YoY) |
| Full-time staff | 17 |
| Net worth | $21.9M |
| Net worth ratio | 15.1% (p82 of band) |
| ROA (annualized) | 1.32% (p84 of band) |
| Total delinquency | 0.68% (p54 of band) |
| Net charge-offs (annualized) | -0.20% (p1 of band) |
| Loans / shares | 37% (p6 of band) |
| Cash / assets | 34.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.09% (p19 of band) |
| Operating expense / assets | 2.17% (p7 of band) |
| Vehicles % of loans | 40% (p57 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.18% (p19 of band) |
| Vehicle NCO | 0.00% (p8 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 52% |
| Certificates % of member funds | 26% |
| Average share balance | $11,078 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $861,415 |
| Loans outstanding per 100 members | 56% |
| Loans granted per 100 members, annualized | 21% |
| Average loan balance | $13,545 |
| Loans granted, annualized | $13.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $861,415 outstanding purchased (3.9% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 8.7% 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 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 0 |  | net worth falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | net worth falling |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 | delinquency rising | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze |  |
| 2020-06 | 1 |  | delinquency rising, losing money, margin squeeze |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | net worth falling |  |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | delinquency rising |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 0 |  | delinquency rising |
| 2025-03 | 2 | net worth falling, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 1 |  |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Hawaii - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxQM1ZEakszY3JjVVExTWRjSk1URXRuSkQxRjdCWDJaY29JbnBWN2FjclhOVmd6bi00bDJpcmVhZTVvMHc5ajRYOXc1SVRrR2VyeHB1SUJLYXA3bTdWM3g4XzZHb3lFMEZ3ZG4wWkxSQkR0UlktNURDOEh5VnNpSnZUbUFRUEw3SzBXRl9pOA?oc=5) · Newsweek Rankings
- 2025-10-07 [Regional Banks, CUs: 3 Proven Strategies to Drive Growth - Resourceful Finance Pro](https://news.google.com/rss/articles/CBMifEFVX3lxTFAxR0V1c1lIRy1GXzQtSGNTNk9EM3N6NjM2M3FzT0p2b2hTUDc2aEw2NVR2Z0lUaDBUYXRTckJsanRGWXdsenQ1SnU3SEw3bldSSWhEcmNqLWdMMVNIM3R1Sks5a2FoZy0xTkpoUkVOaVJISDFDd01PR3IzM3I?oc=5) · Resourceful Finance Pro
- 2026-06-08 [Luane Eiko Nishimura Obituary (2026) - Hilo, HI - Dodo Mortuary, Inc. - Hilo - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxOLTBpYjB0bzFJa3R0bmxycENLZFdyelFTTUppTmY5SEs2dFI3N29RbmpQT1AzWjZrVldVMzgxU2E5QkhPelBlemc3blgtd3hQYTJ1VzE2SEpoWkZfb1EwRFRxRzJ1cjVuS3JVUFVldWZUX0R6VmNFRlhSdlBTTDZBOFBEMy0?oc=5) · legacy.com
- 2017-09-27 [Hawaii’s Most Profitable Companies - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTFAxbndrbFk5dnl2XzFfQktZdHVRVGtWd21waHIzaHYyVjVpVXJwRnV6UFlHS2Y0LUN6ZUFFQnFuTFJkWUFLQ1d3Y2VhQktEQlo3Q0oxZ080cjRLRTdKa2pvR2F4ZjM1ZnRxb3JCTjd0dWFwWVZlV3c?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1784 (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/56.json (key "1784", 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=1784
- 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