# MAUI TEACHERS
Wailuku, HI · NCUA charter 1817 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maui-teachers-1817

Who the members are: federal charter, educational (single sponsor), organized 1936, minority depository institution. 1,267 members of 7,000 potential (18.1% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 14.

**Verdict on the desk:** this could be *quiet fade*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $36.5M |
| Members | 1,267 (-4.4% YoY) |
| Full-time staff | 3 |
| Net worth | $6.4M |
| Net worth ratio | 17.6% (p64 of band) |
| ROA (annualized) | 0.65% (p54 of band) |
| Total delinquency | 0.00% (p8 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 37% (p21 of band) |
| Cash / assets | 24.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.24% (p6 of band) |
| Operating expense / assets | 1.64% (p6 of band) |
| Vehicles % of loans | 5% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 124% (p97 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 29% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 5% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 68% |
| Certificates % of member funds | 30% |
| Average share balance | $21,525 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $8.0M |
| Loans outstanding per 100 members | 14% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $62,439 |
| Loans granted, annualized | $65,936 |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $8.0M outstanding purchased (124.4% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 9.6% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **members leaving** (`shrink_members`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## 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 | 1 | assets shrinking |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | loan book shrinking |  |
| 2017-12 | 3 | members leaving |  |
| 2018-03 | 1 |  | assets shrinking, members leaving |
| 2018-06 | 0 |  | loan book shrinking |
| 2018-09 | 1 | members leaving |  |
| 2018-12 | 1 | delinquency rising | members leaving |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 | members leaving | delinquency rising |
| 2020-03 | 0 |  | members leaving |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | members leaving |  |
| 2020-12 | 2 | net worth falling, margin squeeze | members leaving |
| 2021-03 | 1 |  | net worth falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | loan book shrinking |  |
| 2021-12 | 1 | members leaving | margin squeeze, loan book shrinking |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | delinquency rising |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | assets shrinking |  |
| 2023-03 | 3 | delinquency rising |  |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 3 | 3rd-party paper>100% NW |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 | delinquency rising | assets shrinking |
| 2025-03 | 3 | margin squeeze | delinquency rising |
| 2025-06 | 4 | net worth falling, delinquency rising | margin squeeze |
| 2025-09 | 2 |  | 3rd-party paper>100% NW, delinquency rising |
| 2025-12 | 2 |  |  |
| 2026-03 | 3 | 3rd-party paper>100% NW |  |

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

- 2026-06-17 [Credit Unions of Maui announce Annual Charity Golf Tournament benefiting Maui Junior Golf - Maui Now](https://news.google.com/rss/articles/CBMivgFBVV95cUxOVldLR1FhY284cFFjcE9FNWlQU3hZWndNR2FYVUZIZG5Yci15cDB4MFZvc3JUczFfSTNvUUx6ZlRLRU1xRmRWUEFPVmE3SVMwQzVVZU1OUzA5Mld5VEU5UmM2WWp4eEMwcnl2Mi1YdW1wWDVnQW5uRXRKWlNCQzRmbGw0NFlWX3NDNjNjWEFZZzJQUGF2UEZMWTZ2dXlTaHB1MnJiOUhJMlhYTC0yZFRRcEREeUg4QkY4REhTWmRR?oc=5) · Maui Now
- 2025-08-29 [Kokua Kahiau: Hawaii businesses give back through corporate citizenship - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTVV3NzZyM1BydlIyV2h1MHg0US1IX2d6dzNsbjhhemgwZ0tON3huSkROdTgyb183aTNXUGFrS2ZmLTRsVDc4a3RubGJOOTdXb3kxd19kV2hVQy1RYjNneEFOYlZYRUtHVFZncU1ac25ScW0tdTZaT3MtOXJzU1A1WVVMLTdwcmZFTGp0UW43WnI5MXRoSVE?oc=5) · The Business Journals
- 2020-08-26 [Prize-linked savings expands to two more states - American Banker](https://news.google.com/rss/articles/CBMinAFBVV95cUxQbjliOGFObGVacXE5YktoemQyeF93V0VpZ0VzUjIxMEIwWDUtVURPSnZqV19mbWxrUm1Cd3ZlNFlySzBKTXJkcUQ2RXpRaFdDYmQ4Z1lzQmtqbUZpRzlEekNBSXZ0aDVzc1JGaGYtTU5MZ1RMdThFT1I5OWFKTXBtQXlGakR5dGxsQlp0U2tOZkkzZnhVai1ndFBsWXk?oc=5) · American Banker
- 2024-08-21 [Credit Unions of Maui raise $38K at annual golf tournament to benefit Hospice Maui - Maui Now](https://news.google.com/rss/articles/CBMiswFBVV95cUxPM2lHUERKWS0tckxoY0VGNVNnZzROZlE4MzIybjQ5QVBEaTV2U1VqaV9nMXVFWEw4ejZ4dnlRRHN3ZllMb2tLNjhMc2RUSXVFX1FlRHpHQUJEX3VpNEVBWENzWnR0Y0RHbHhSOVFxZnM5anVmMVZBT1ZDQmlFek1CdWROMnowRm5pdm14WGZTWE5BdVBUVFFJUjhKU21HeG51aHpoNks5TGt1WDdrVUVZNnVwOA?oc=5) · Maui Now
- 2020-06-04 [Credit Unions of Maui Donate $7,500 to the Maui Food Bank - Maui Now](https://news.google.com/rss/articles/CBMikAFBVV95cUxPeV83YV9WQng5c2VMY3ZIZW9DZmpjLWk4dUNQTGsxMkFnb2l6YW9kem8zckIwSTNnQTc3VnV2S1dPSFFSZGp3cDIyZUlJOWhob3ZIYS1JYl9zSXdRRE56cGlTcUdzTkF3ZFV4dk5NOVNTVnVURVV2dDh4aGd2V3YxN2VobEtPbG5kZTZfT1VfX1o?oc=5) · Maui Now
- 2023-10-02 [Credit Unions of Maui golf tournament raises $38,000 for Maui wildfire relief - Maui Now](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOU004NS1CZlBVNW5kTjRicVZyNjRmb3k1dlNBdXlkamkyeTFocHlLUVhhamxodXZoaTJFVDhCTWZ6Q2JUNXM5cmo1SGItUk8xZFROOVU5TnBrbWVZcmV1dmxVdHVmU1RYbm9pS3kwTGFGa1VhdWRvYmgxZlM3RkNBN0RzaFNJREUtajlBUWcyTllsWTRNZXRYQnprMU5GSXdldzVfb2dwQ0YwazA?oc=5) · Maui Now
- 2025-09-09 [Results: Scholarship golf tournament raises funds for students with Maui ties pursuing law degrees - Maui Now](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNcUhkcm9ycFdQMTZ4UlZSYVF4T040SVpzemZWTlROZDFNd1JnRW9ZOFo5a2ZFaWZsVXh0dEVIYUc3UWRQaTZOUTFfRTVqRWhxSkEwSnNHZTNWbE1iUEFKZDZkUEF6UjdUaDlta2RwQmQ5Q0VobHJRTUQ3LWVXdVNKdGtZNUlPZ2R2M2tJM0pxVHRwcTdlaVE3Y0lOOWFQWFliU0swUzlmNTRmdlprTDBab294YjB1Q3E4RUNVWUN0Q3lEd1hhaHpNWg?oc=5) · Maui Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1817 (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/25.json (key "1817", 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=1817
- 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