# HONOLULU
Honolulu, HI · NCUA charter 1830 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/honolulu-1830

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 19,786 members of 50,000 potential (39.6% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 58.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $418.1M |
| Members | 19,786 (-0.4% YoY) |
| Full-time staff | 55 |
| Net worth | $52.7M |
| Net worth ratio | 12.6% (p68 of band) |
| ROA (annualized) | 1.12% (p78 of band) |
| Total delinquency | 1.35% (p90 of band) |
| Net charge-offs (annualized) | 0.35% (p46 of band) |
| Loans / shares | 84% (p75 of band) |
| Cash / assets | 7.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.54% (p49 of band) |
| Operating expense / assets | 2.55% (p14 of band) |
| Vehicles % of loans | 32% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 89% |
| Third-party paper % of net worth | 163% (p74 of band) |
| Vehicle delinquency | 1.22% (p82 of band) |
| Vehicle NCO | 1.01% (p70 of band) |
| Repossessed % of vehicle book | 0.24% (p87 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 10% |
| Commercial % of net worth | 18% |
| Core shares % of member funds | 28% |
| Certificates % of member funds | 33% |
| Average share balance | $9,873 |
| Participations bought / yr | $12.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $34.2M |
| Loans outstanding per 100 members | 58% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $26,477 |
| Loans granted, annualized | $93.1M |

## Participation posture (from the same filings)

Bought $12.0M and sold $0 in the latest annualized quarter; $34.2M outstanding purchased (64.9% of net worth), $237,858 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 3.9% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 2 | net worth falling |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | delinquency rising | net worth falling |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 | delinquency 2x band | delinquency rising |
| 2018-06 | 1 |  | delinquency 2x band |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 5 | net worth falling, margin squeeze, delinquency 2x band, delinquency rising |  |
| 2020-09 | 3 |  | delinquency 2x band, delinquency rising |
| 2020-12 | 4 | delinquency 2x band |  |
| 2021-03 | 3 |  | margin squeeze |
| 2021-06 | 3 |  |  |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | repo signal |  |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 2 | repo signal | delinquency 2x band |
| 2023-09 | 1 |  | repo signal |
| 2023-12 | 2 | members leaving |  |
| 2024-03 | 3 | net worth falling |  |
| 2024-06 | 1 |  | members leaving, net worth falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 3 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 1 |  | delinquency 2x band, delinquency rising |
| 2026-03 | 4 | net worth falling, delinquency 2x band, delinquency rising |  |

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

- 2026-08-18 [Hawaiʻi’s Top 250 Company Profiles 2026 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMigAFBVV95cUxPVjMxZ1RFZDJaczl5S1hkYXJXdDJKSE5xeTZ1TjdzUkl5ZmRTUXBWVUpZQlhzbkhuZUVOUFc1VDMtblR4STRGOEl6dmo2dVgwanJsVkpjX21vWDU5MEtUTThCSzQ3NVZvZXo2OHpiZTNYVWlpZHRPS3dlQXVHdkx1Ng?oc=5) · Hawaii Business Magazine
- 2026-02-26 [Hawaii State FCU chief on how credit union hit $2.8B in assets - The Business Journals](https://news.google.com/rss/articles/CBMilwFBVV95cUxNTFdSTTh1SGlrOHhEVkxpTHZtdk0zMUxLZkw0ekVXYUlBSk5LTTZoSHFsX2hNSlh3ZnhsYUNHMUpReHNBV3QtTTlyMFEyN2NVT3hoeVBNU1ZjUlhEMDhuR0NHNzM1UkxScks1Zmx4QWxsSTBLb2Z4UFBuT1k4aTVDVF94bkNlQ2ZYaDR0c2VxTkEtNFQzRk9F?oc=5) · The Business Journals
- 2026-03-01 [HB20: Warren Altona, Hawaii State Federal Credit Union - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMijAFBVV95cUxQLXRCV1E3SVl4Q0otSkNFVzJMUnkwLVNVdW9Pc2hlcDhHenhHTllMczVleHJmWTMzREItMEtFVzFZUFlCWG5iQWRqY185d0s3bjAwTktpamtTeTdLN3NnR3lMbEVYTVdwbnB0Ukt1Wks4NmZjX1ZSaHFtT29kTk9oTER1WFROUkdRUGlxUg?oc=5) · Hawaii Business Magazine
- 2026-01-21 [Hawaii State Federal Credit Union marks 90 years of service in Hawaii - CUInsight](https://news.google.com/rss/articles/CBMirwFBVV95cUxNYjZzVHd0TXloOU9pN0JaaGRzbHhnRktfbjJicHdwaW90TjNJdzJab2NHQThhQzNjdDRtM1JadHJ3RlhnSTlvMmJWSklxTEpNMl83aHhIMEgzXzQ0MEtuVDhqdEI1MkZ3dkxKQnNMQ1JWTXVOdTdzR0tLNHVGaHpIN3BOZHNSU2IxRndkN1lyZU9XMDdNVUZrTkNNYmNVVGVDM3BIRW1DUDIxNnFteUhJ?oc=5) · CUInsight
- 2023-07-07 [Hawaii credit union scrambles to return customers’ money after glitch - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMiqwFBVV95cUxObW4xWjE1OGRzbUF1MFpRc2lUS0NoQ05fWFhhZTFEcXpRM2tKOXlGa0w5VnZuT3owNmdiMlVIdU5GLVdidmZ5TjMwRnQ3MDJHUjVXQjZFN0FUZ2hYQTl1QnEzaE1KN2pyd2lUUzYyR3h5S1lDejZjY2ZZNDdDS205dnRBX3hiS093RWdsWDVmVzFHc1lLOXVLWTZEQUNSd3F3T2FhR1IyQVNJN2_SAb8BQVVfeXFMTTBzakI4VFBVOFRxMlFwd3Bxc0haaC1TQ0lHUUc3XzNjQ3poOVBuSXhZZEVhSzJCU1dVTW45czl4SEZBaHFDQUJBRTVJVE9XLWR6LUVWV2c1bFNPOXJSNVUyZXh3RkFnTTBFVVZYeVd6U1VxYWhHQWptV09ib1lsNjI3Q004QUpNNktGWndMSGNQeWVkSVQ4YmRQczdReEl5N213NTFmcktNVElaSW5yMEdmWFBIMGx1Vm1YYm44Yk0?oc=5) · hawaiinewsnow.com
- 2025-11-05 [Hawaii State FCU announces leadership restructuring as longtime exec prepares to step down - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxNRThJem00TWlSYjh5a2YxZGNVX2duTjNVZ0hxZlhWYWNoem51akVQVW41QkVTRklaYmUzN1FsSDdkOTNicWRaYjZDa0laWkUtZ2JKOC1UcFlpUmVXbjNJLXJUS09WaUdManRVcFlPczcwQXhueGJkQ015dEhqeW9EYk9rYTZYZ09SRkdYUA?oc=5) · The Business Journals
- 2024-04-10 [Prominent Honolulu architecture firm buys bank's former headquarters building - kitv.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxOWlY4UFQyVjVIOWlmdm1ZT2VtelVDeUVyOUxoM1hzZWdfZjZ4MTFpcHRiWi1Wc3E1X092TXNqTVVGUXRkTlZQUk9jN25lRUNFWWFSd2lsTTRwUjVNM1pEV1YxUGlLUWpIVTVlRTlGWHNyNlY3eXRybFAtYnFnTlptNl9ZNk5YQ2FyMUtBYTFfcmszQVd1eEpfLXNJRzczRGRjY0FMR1lzSUFEYmpYU3g5WHpvbE1CTWdnUWI1X2dKc1lrN25KZ0MwZ0tCc3NJNzEtRkpPUDRPZGRjS2t5NFNBeDNxY29pbjM2NlQtQzdqRW1LYzg?oc=5) · kitv.com
- 2026-03-01 [Fred Ho Obituary (2026) - Honolulu, HI - hawaiiobituaries.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxOQ0lkX1ZidjdObjJBVWRDZExiSVF6ZHNReFdlS0tIX2MyRGxwaDJseWM1dkZKUlFsb1kxczNyN3Yxd3ZoUl9UWXNheXVZSncyaGltSG1OZTViZU9GTWUxb2s4OWNNclo4UC1SWl91alpRVThnRElDSVVFbDh0OFlWUUlKX1JpWFY5UHZGNnFKTlF5OXJKTldOVg?oc=5) · hawaiiobituaries.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1830 (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/38.json (key "1830", 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=1830
- 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