# HAWAIIUSA
Honolulu, HI · NCUA charter 1815 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaiiusa-1815

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 130,552 members of 370,648 potential (35.2% of the field); checking penetration 72% (share draft accounts per 100 members); loans per 100 members 26.

**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 | $2.67B |
| Members | 130,552 (-0.7% YoY) |
| Full-time staff | 357 |
| Net worth | $277.4M |
| Net worth ratio | 10.4% (p42 of band) |
| ROA (annualized) | 0.78% (p58 of band) |
| Total delinquency | 0.30% (p15 of band) |
| Net charge-offs (annualized) | 0.39% (p34 of band) |
| Loans / shares | 65% (p11 of band) |
| Cash / assets | 12.2% |
| Borrowings / assets | 1.50% |
| Net interest margin | 2.88% (p21 of band) |
| Operating expense / assets | 2.79% (p28 of band) |
| Vehicles % of loans | 4% (p4 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 42% |
| Third-party paper % of net worth | 9% (p14 of band) |
| Vehicle delinquency | 0.24% (p14 of band) |
| Vehicle NCO | 0.47% (p15 of band) |
| Repossessed % of vehicle book | 0.09% (p55 of band) |
| Real estate % of loans | 70% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 93% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 23% |
| Average share balance | $8,928 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $108.3M |
| Loans outstanding per 100 members | 26% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $45,354 |
| Loans granted, annualized | $342.5M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $108.3M outstanding purchased (39.0% of net worth), $0 sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 1.0% year over year.

## Flags firing in the latest filing

- none

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | charge-offs p90 |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | delinquency rising |
| 2019-06 | 1 |  | delinquency 2x band |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | net worth falling, losing money, margin squeeze |  |
| 2020-06 | 4 |  |  |
| 2020-09 | 3 |  | losing money |
| 2020-12 | 3 |  |  |
| 2021-03 | 1 |  | charge-offs p90, margin squeeze |
| 2021-06 | 0 |  | net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | net worth falling |  |
| 2022-03 | 1 | charge-offs p90 | net worth falling |
| 2022-06 | 0 |  | charge-offs p90 |
| 2022-09 | 1 | charge-offs p90 |  |
| 2022-12 | 0 |  | charge-offs p90 |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 0 |  | delinquency rising |
| 2023-12 | 1 | net worth falling |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 | delinquency rising | net worth falling |
| 2025-09 | 0 |  | delinquency rising |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-29 [HFS Federal Credit Union tops Forbes' list of Hawaii's best credit unions - The Business Journals](https://news.google.com/rss/articles/CBMimgFBVV95cUxPNXI3YXUzTi1TZjZwOFpBOHJsQ3lGS2djc0lGY1cyMFpPdVhRcmoyTDBLejdDeGxkcGR3ZVozOVpSUDRhd19RWmwxU19lYi16bmlqVFhKR0s2MFNRTUx3U291RWlyejlQLTFzQnZnbTBySkNCRW1HVFNVdndZTGE3V1FMVmNpWkVvZ1YwWTNOM2ZIZEVTcmdvRjBB?oc=5) · The Business Journals
- 2025-11-06 [HawaiiUSA Federal Credit Union Invests in Education and Community Financial Health - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMitAFBVV95cUxQMURsMENweXVGWk44OXJ0ZVQyVkZZWFlMdkdpTmxOeGQyLTJXRGRTbnBPdnAxdUU4MGZDWkZ6bUZ3VXJ1MXo0OC1uRlVtVC1yb0V4WFdWMVZ5OG9RY2RHdkJNNlhtUU12M1haMnNyM01scUZubnVKSmh6eklkcEVSc0psOFg2Vi1LNEE0cl9Ua1lJMDU1dXdaMWxVb2ZRemtkaEw2bk5INEhUM0ZDU0IyekpaS0I?oc=5) · Hawaii Business Magazine
- 2024-03-20 [The Brandr Group, HawaiiUSA FCU Partner On NIL campaign For UH Student-Athletes - Hawaii Athletics](https://news.google.com/rss/articles/CBMizwFBVV95cUxNMVlodmJsYVFQRjViMVNIenRkNHhlUmRMM1F3eHRsNXNIQjFyTG8zODFORHN5T1VibVdpd0o5dFhVTWFKb2N4QUdVRlVWc0E2bFEzM1JPekc3X1FGS2QwR0Ryc3RrSllBOE1oSU8zVFF2WWh4YnJPZkxBU3lfSm1GX2RILVZJYk9GTkdRWTdUQURhMXNXa0tRckhFXzJwZ2h0SU5PWmc0SkRhYUM2NC1YTXJ6Y1ZabHNzbExPdGdiRFZpVmlBX1dncUZMY2xKcHc?oc=5) · Hawaii Athletics
- 2025-10-23 [Kokua Kahiau 2025: HawaiiUSA Federal Credit Union - Pacific Business News - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOdXJFMWNCdnVVS05nY2dwTVpZdnRFM1hMRXl5WnVoZVRsVmhvaTcycXVMaEY4d1ExNXI1OEFnZFN4c1ZEbzRXUDEyd1VfVnZKNmI4cVZrNEVFSlBjZUt1OU8yR3g1TEdzcjdtc3FFYXlVS0NPbDVtUEJFTXBmUGl4WG53aFNKcmpsYXVUMF95SE9tT3A1N1VjYS1xcWgwSGNqZlE?oc=5) · The Business Journals
- 2026-04-29 [HIDOE student-run credit unions prepare students for real-world finances - Hawaiʻi State Department of Education](https://news.google.com/rss/articles/CBMiswFBVV95cUxNT0RYUldRaHNMQWp5MGY2SFg5cUhsem93S0lvLTNsMFQ2MTNlRE9kV1IzSVpDeVQ5Y3VtbDNuZmt3WW1tZ3FQWEQyU1ZPYVlfZzJqZTIxMElFYk5GNi1lRlRkU0ItN0s5MDNjVmFqelNzZXI1SVFwQXg0a1lrVDBDeUMydzlCdmh1N0ZnYVIxQ0gxSlpYeTJBX3B0TWtkV1FOMXNiWWgzYl8zRHJ6YjJ6NFk0VQ?oc=5) · Hawaiʻi State Department of Education
- 2022-03-16 [HawaiiUSA Federal Credit Union announces new President/Chief Executive Officer - CUInsight](https://news.google.com/rss/articles/CBMiuwFBVV95cUxPQTcyY29qV3pmWXR6ZXBqTTZfNnJUdzJtZ21PTHBBWVo3VVZlM0J0Z1RJSGVhX0hNNnI0SUVqMGxhclF4SzFnLUF3N2pOOC0xcEFJaEdYN3JLRkFheG1heHBpeXdENExZdmowcjFWMDNjd0d4SlpMMU82cEJrZEhOTFctTXhEWnFCeHNMT1gwcnV1WmM0M01nZHMwd0NmbEx2S1BQc2twLVdGVm1jWURmbDQ2VmlnNDh5MmJn?oc=5) · CUInsight
- 2024-06-25 [Experience HawaiiUSA Federal Credit Union’s newest branch concept: Kakaako Financial Center - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPY0JSRVpTQmgyU3JkYjFVaUVLZDd4Q00tN2RHdVFLVTV1Nm1lRFZTUlV1NHIzUTZWMnl4ODA0NGd5VU1Xb0JQN01pV2I1b05EOW1JbFlnRzY5VDF4Wkg3eWFxdkV6Z0lVbE81Z2toQ2pWSjlWNmtWUjFNTHh0bjBsNndmdDJVQlZqZExEaEliZ3FnVnVfRktHeGRPSUNzbTBzWGx3VzB4Mkw4X0RhR2lxbmxCbkFpV2VVUTBzdXplR2JhMGtoVWFIZ0I3b3Ztam9MQVBz?oc=5) · hawaiinewsnow.com
- 2022-04-07 [20 for the Next 20: Congratulations to HawaiiUSA Federal Credit Union President & CEO, Greg Young - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOR0duX0VoaTZGWjRGek1BX0t3WWQtQ25WUnhUNkowcXl5bzJ3OWVoQVhqLXQ1ZW9QLVl5SVNDNC1sYWZXS2NhaFplZE5oNU9EcmxObE55ZlFCTlBObFV1M2U1U2ZXZ2RrRENqWm94YWRmQ1l4LUhicHFmVVRheXlJLVdJZGdodm9NMzZTWVlWQkVIRDQ1T2dsQmxsSHd4VXdwMXc1T2N1NHpvdw?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1815 (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/23.json (key "1815", 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=1815
- 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