# ALOHA PACIFIC
Honolulu, HI · NCUA charter 1845 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/aloha-pacific-1845

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 70,841 members of 1,029,066 potential (6.9% of the field); checking penetration 67% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *ordinary*. 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 | $1.53B |
| Members | 70,841 (0.8% YoY) |
| Full-time staff | 189 |
| Net worth | $146.1M |
| Net worth ratio | 9.6% (p23 of band) |
| ROA (annualized) | 0.53% (p34 of band) |
| Total delinquency | 0.22% (p10 of band) |
| Net charge-offs (annualized) | 0.10% (p7 of band) |
| Loans / shares | 56% (p5 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 4.25% |
| Net interest margin | 2.29% (p5 of band) |
| Operating expense / assets | 2.51% (p17 of band) |
| Vehicles % of loans | 8% (p9 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 28% (p19 of band) |
| Vehicle delinquency | 1.00% (p78 of band) |
| Vehicle NCO | 0.51% (p19 of band) |
| Repossessed % of vehicle book | 0.00% (p11 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 105% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 31% |
| Average share balance | $9,150 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $13.7M |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 2% |
| Average loan balance | $46,199 |
| Loans granted, annualized | $123.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $13.7M outstanding purchased (9.4% of net worth), $3.9M sold and retained. Sold in 0 and bought in 3 of the last 8 quarters. Shares 7.9% 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 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 1 | delinquency rising |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 2 | net worth falling, delinquency rising |  |
| 2018-06 | 1 |  | net worth falling |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 0 |  | delinquency rising |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 0 |  | net worth falling |
| 2020-12 | 0 |  |  |
| 2021-03 | 2 | net worth falling, margin squeeze |  |
| 2021-06 | 1 |  | margin squeeze |
| 2021-09 | 0 |  | net worth falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 0 |  |  |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | delinquency rising |  |
| 2023-06 | 0 |  | delinquency rising |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 1 |  | net worth falling |
| 2024-06 | 2 | margin squeeze |  |
| 2024-09 | 0 |  | delinquency rising, margin squeeze |
| 2024-12 | 1 | delinquency rising |  |
| 2025-03 | 1 | net worth falling | delinquency rising |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 1 | delinquency rising |  |
| 2025-12 | 0 |  | delinquency rising |
| 2026-03 | 1 | net worth falling |  |

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

- 2026-01-05 [Aloha Pacific FCU makes 10-year investment in UH Esports, new arena set for 2027 - University of Hawaii System](https://news.google.com/rss/articles/CBMickFVX3lxTFB6eXVIUi1WV29QUHl5c2d1Tzk1VlhNLWxJSG5EV1hVQ3Yzc2JpOHhCYTlRTW1JVE1MMkFkQlVOMUVmSFotbE1CVTM3eHIxNm5lYVlIeXB1THp4Yjg2R250UjIyZkFBTEZiTE1QaUVnRVlzZw?oc=5) · University of Hawaii System
- 2026-01-27 [Aloha Pacific Federal Credit Union opens new campus branch at University of Nevada, Las Vegas - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxOM3VsR21NRUhySURyQUQ4RGhGUVlialh4VV9nTmdaRG9qdzJOQXdhcFNyZ3l6TmZCc2VoNVA0ZldHOUtxSEhjVXpZdkstdFZjYVFSZ0ZjVVBQWDhaWER0c0p2RXhON21Ja25qcjBiN0VzaW5fTWxNbzRZR3pMODBoR2dDU0YyQlJ0cjByVWlvaTlTdGZRMGc?oc=5) · The Business Journals
- 2026-01-06 [10-year partnership brings Esports Arena to UH Manoa - Hawaii News Now](https://news.google.com/rss/articles/CBMilgFBVV95cUxOd0JMcjBjelp5ZGt0UUdLZUV0Z2FEcHJDRkZZMFJycDVWZ1U2MFJnUFRFeTROVXNPVWlaZE5FLS1CSWVzX09QeWpyOVpWcEZ3Vm9mWU5Zam92YXJJUmVhRVBPeU9QZHdrcVRVTDZHU015YlkyY3pMbGZ2ek9ad2lKcnFSa3ZtS0JFcWxZU05penpGTHJ3SFHSAaoBQVVfeXFMT0x2bERBckx0b1dWNHpqVDA2aGlud1gxWXNTYU5Wb3Rrak1yS1p5Vmg1cklBMDJsVUlRXzYzbFUyczBiU195c19XcmdBekROd3ZEZkphWXVUMmdBeUloX1RTUXM4UVBBYXFzQ3V3bkxCSGhmYm9LaWo5d3NZSTFSVTk0WTRyYzR3eTRtcmZ5eFdnb2NjeE1iaTFiQjhDTzBTMHdEME43WWctZ1E?oc=5) · Hawaii News Now
- 2026-01-07 [Aloha Pacific Federal Credit Union to sponsor UH esports for next decade - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQMGs3dmpTNmE2aG0wMm9jLUduRUM2MEJWZ245SXFHeUZ2NmUtU2t6YWxzbXhXWXV6R2w2UEd2MXduYVRYaldVR19iVGVDN0VYaldPRVQyQVR3YS1sanRhSjFuU0x6djNXY0RTcjZzRUs4d2U4VDhhNnVBVDVhNHlaNDhlY2FEVkV5RFVBa2lieC1QWlY3S0pPTTBndUFlUU5DaVp4c3NjOHRHS28?oc=5) · The Business Journals
- 2024-07-16 [Aloha Pacific FCU and Oahu FCU announce merger - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQ1ZYckpRUERBQmZxcFhkNl9UX295MmdEdXhWWVd6Ri11dnJYMzBzVnV2Nm1qWEFnMkJIWWFJTGZKOEFtYy1YcUVvM21CcmwydGV1WEgyTnZzb0dSWWxGZ0tjYWZMbUwzX29MWk95T1g4SFg0ME5fdjBGcG82djM1bWlKdDduRlM1eEEyZ3hRNnlTWktNUUlEN1F4STdaMk52aDU2aw?oc=5) · spectrumlocalnews.com
- 2024-10-24 [Aloha Pacific FCU awards $35,000 in scholarships to 16 students - kitv.com](https://news.google.com/rss/articles/CBMi1AFBVV95cUxNN0pyaWZSUmQ3ZUEyWmNWMGFaRmJDeXVJUmdpQ09vSzRaX0tlcVlHU1hzWGFiOFJIamFEX0JSMFJUa0ZkaGItVDBYSURVdmUwWDFiNWozVUlkc0tOOG1qXzFhd3pvVUpqVzg2Tm42UGZNUXJNLVhoMmdzNnJLNnZBT0pEMDZINVZWZFFNWXV3ZGZvbEMweGhqMW9mbHR5akNwQmsxaEw0Q0l4NkVFSFYyZ24zbWdUTjRQLTV2Qk9hc2tYZ0VpcjJfU2FlNENReHZtcGVqZg?oc=5) · kitv.com
- 2026-01-05 [Aloha Pacific FCU appoints new COO as Barbara Carvalho retires - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNTTZxam43Q1czMHdFNG9Td3lRZzVGR2JMelVldzZXRVJVTGRmLXpJMVgzQkFuY1FvWjFRLWtnRHNCMFd4QjNYcTlhZ0JaX19oTEwyeG00alZfcHo2RTRRUjdFTGxpS3F0ZVpKWGNDUlFmOG5XTmhGdWx1S2pIeWNCaWRMM2RFVEVxcW1RYXhOMUV3OHpVakpqNXRtU0tSMGpy?oc=5) · The Business Journals
- 2018-11-16 [Hawaii credit union pays $2M dividend after merger with Aloha Pacific FCU - americanbanker.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxOMV9QUy1zQ3VxZjdNZDJjSTlyNURqSmJiUVNsVUYwRlc3SkN6YWkzYU8weWNnS0xUNDN1RGxvYlNTNGJ0NldlNDM5SjJhejhXXzktQkNTZkpNX1dMZ0R0WE9RNm9IUUNtdFBBdkFEREQtcHR1Si10YkluWVpTNHdEXzB2ZkpXdEtGMzlYdkE2bW1sd0RsNV9nekdhOFhIM3FnS1QyZktlRkVsOVMtTlhsdVJOTU1FYy01MEFPcDJR?oc=5) · americanbanker.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1845 (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/53.json (key "1845", 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=1845
- 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