# MCCABE HAMILTON & RENNY
HONOLULU, HI · NCUA charter 17989 · asset band <$50M · latest filing 2020-03 · stopped filing after 2020-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/mccabe-hamilton-and-renny-17989

Who the members are: federal charter, multiple common bond, organized 1967. 615 members of 1,200 potential (51.3% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 36.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $7.1M |
| Members | 615 (1.1% YoY) |
| Full-time staff | 2 |
| Net worth | $925,779 |
| Net worth ratio | 13.1% (p49 of band) |
| ROA (annualized) | 0.31% (p47 of band) |
| Total delinquency | 0.72% (p49 of band) |
| Net charge-offs (annualized) | -0.04% (p16 of band) |
| Loans / shares | 58% (p47 of band) |
| Cash / assets | 17.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.81% (p70 of band) |
| Operating expense / assets | 3.91% (p62 of band) |
| Vehicles % of loans | 52% (p42 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.00% (p33 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 40% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $7,810 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 36% |
| Loans granted per 100 members, annualized | 26% |
| Average loan balance | $15,811 |
| Loans granted, annualized | $3.4M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, losing money |  |
| 2017-06 | 1 |  | losing money |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | net worth falling |
| 2018-03 | 1 | losing money |  |
| 2018-06 | 0 |  | losing money |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 | delinquency rising | net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | assets shrinking |  |

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

- 2024-07-16 [Local credit union approves proposed merger with another business - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX21GT2g1TDUxa2tTc0tEb2FPdFNxWlAzRGhWTGVMajN1MkNQck9wcXM2aGRpTWlDUl9sajdhdGhPV1E2ZmFySkZWWThRbnppdXZ0MVRCNHZnOFBURmlpUEVQWUFuME1UTUJvSlRyTVFNVU9DSG8xUmxHV01MQ1FXSFZpZW1VaUt1RkJ5TzJKOW03alhtS2V3dTFsTUZuTEVPNVFxVjFrU08?oc=5) · The Business Journals
- 2021-08-10 [Hawaiʻi’s Top 250 Company Profiles 2021 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTFAxV0VvT0dDUWVvYUpVSExLWWFjb2RNVWRZeWxuUHYxVk11bjBOcWx3QmdxamdERTFLbkhvNjdQOVdWRV83TmNLb2FnRWMyUmdiSHpEOVZicEJUZTZmcUN0SGQtOUJoQ3RzX0tXTy0wZlRySXdsQTJHMw?oc=5) · Hawaii Business Magazine
- 2024-10-07 [Aloha Pacific FCU opens newly rebranded branch, following merger with Oahu FCU - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQ0U2dEJ4LWZjcDRjMndMYnFsQWdIbk55VHhQc1hwM0FzbGRQVFZadFMwN2lfQlhXQjJ0UVRGanA5cHJ2ZlRTajBES3Y4WUpaWlFheGlSLWZrbnVCYktydWtGa1N2dlJqbUpfY1psNi1Nalp3MEF3Y3lwOVRqQ0NQTDktZ3R3OWJWalN5S0RzZ2pHdGljbTRyUURqdXlaT3Iz?oc=5) · The Business Journals
- 2020-09-04 [Retired Aloha Pacific FCU leader Wallace Watanabe dies at 73 - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxPZFlXZHhLUlZhRmtxUUtBV1BtTkxDZXZ0bE5MWXNkdE5IZEo1T0RLWGVWTFlxVFFZN2Vram5LWTFtQ2tlR3NXQXREOHBRamtfNzBKOWhPWHBmTzB5TWUwaVlTZm9vbkl3R0R6QVdwRjV3dHMzemZxT1dhWkxYTG5wLVhXSUlGX0lLMUQ1bw?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=17989 (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/5.json (key "17989", 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=17989
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide