# MAUI COUNTY
Wailuku, HI · NCUA charter 1866 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maui-county-1866

Who the members are: federal charter, community charter, organized 1937. 20,767 members of 167,989 potential (12.4% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $479.5M |
| Members | 20,767 (-0.3% YoY) |
| Full-time staff | 65 |
| Net worth | $67.2M |
| Net worth ratio | 14.0% (p83 of band) |
| ROA (annualized) | 0.66% (p48 of band) |
| Total delinquency | 1.97% (p97 of band) |
| Net charge-offs (annualized) | 0.21% (p29 of band) |
| Loans / shares | 55% (p12 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p8 of band) |
| Operating expense / assets | 2.39% (p10 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 37% (p37 of band) |
| Vehicle delinquency | 2.67% (p97 of band) |
| Vehicle NCO | 0.85% (p62 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 63% |
| Certificates % of member funds | 33% |
| Average share balance | $10,902 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $36,497 |
| Loans granted, annualized | $34.9M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 3 | repo signal |  |
| 2017-09 | 1 |  | delinquency rising, repo signal |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 1 | delinquency 2x band |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | net worth falling, delinquency rising |  |
| 2020-06 | 2 |  | delinquency rising |
| 2020-09 | 3 | margin squeeze |  |
| 2020-12 | 2 |  | net worth falling |
| 2021-03 | 2 |  |  |
| 2021-06 | 1 | net worth falling | delinquency 2x band, margin squeeze |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 2 |  |  |
| 2022-06 | 2 | delinquency rising | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | assets shrinking |  |
| 2023-09 | 1 |  | assets shrinking |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 1 |  | net worth falling |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

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

- 2026-06-16 [Catalyst Launches Maui County Federal Credit Union on the FedNow(R) Service - newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWks0cWNQZHc3bjA0aUl3cldrWnYtT1JhdVdMN0lVd055RUNqeGExVW1rOWRoYmpHSGpZa0c1YlozTnBhZUlobGhUTjMtQkNyRFlPZnRVWDNTWDZZUzBQdW1uVVpkSXB1elZENzBlVDduWHBCNF9VT1NHMF9fMXlvb1dCbHRCUUFtUU1PVGpZWGx3am1UVDQybE9uc1RjZElSN0hDbQ?oc=5) · newswire.com
- 2026-06-17 [Maui County FCU launches Adopt a Backpack school supply drive - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTGhsOEo2ZlRDVy1ZOUJOdV9wVm9YaXlMMm9aT3NTc2UzekZMM1FrcE1RdFBCZXotTjFabW1nOWFNbmxzTGFpRVprSUxPS0JZSHh6aFJPMTlqaW4wQlRiaW0tcG83eTBOdm9PaHRGTmN1ZDRlMVk2N0dkU0hzLW5TNXVmclNCU0ZBMEtocnBBSTdQTUxkb0lKYTBoNjJKUnNSV0pn0gG3AUFVX3lxTFBCSUlTSzJzVk9IejFwS21HcHpuVUVsWXJENE5zU3I4ajhKbnhhOTNNMDBuc3l4Vm5FYVBoWnQtOWxTUTg2dDdSc1pYLUFBV1NhWWMzc0UydUxXc0Z3VGstb2c0Z3Q0UnB0NWZWN2JOclNDYVlsSjNHV3VENjlPRXFESmJSMHpMdm5idGpobHZteEZ2QXhqdmROU05oaU9DZEVjTGZla2xYWnlWX3Rkdl9zQXdLNmV6MA?oc=5) · hawaiinewsnow.com
- 2026-04-15 [Maui County Federal Credit Union seeks scholarship applicants for continuing education - Maui Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxOSGJFNUlaWDREaC1MTlpXMDZxWC1VV3ViMTdmRklOYVNodWFreFUtMkYtN3R4T3h3dXpmZWxXaEctSnRzSHctYUtwS3Y3SklOTllSODFGalZGY1gtemU5UFRnOXdZOUVZZXpJSkxUWkI0V01fQl94ZDFUQWtuZEhGaXZPTlQ4S0EtVS13b0VwcUs4Z1kyRXlvU3Bmb09MeVNLbXlyemZwWEMyS3dXQlNyeUNOZXMzN1d3NGc?oc=5) · Maui Now
- 2026-06-24 [Salvation Army Kahului Corps calls on community to help Maui students - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNb09DMkUzSjBYREJvX25TR2c2ZFNrM1I4OXI1SzVpTGY1bHdLd200Qm9MdVFnQzZvRDFCRmVLZFhjS011UFNubDEwZnZ0aF9QTjlfSlhyRmotRDZITzByMDl4bE9janlVOUg3aXZlS010TGU4NkpxNncxRFQzdFlSWF83c2pxeXd2c2doX1JEdmtCcUJ5WV96Rk41Wl9jM29IRVpXelhqVURSTnpGcUlrR1BESDdVdHVzRHltSF90MVc4RmM?oc=5) · spectrumlocalnews.com
- 2026-01-13 [Hawaii State FCU becomes first credit union in Hawaii with interactive teller technology at all branches on Oahu and Maui - CUInsight](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQWUt1N0lFMm84NkZQVEY5dHQzUWRreG1haUhNMU1zeHhFNEVJT1F5WmMyTWpMaGN1a1lLS0pBQjdSRXpUOEEwdk5kZ0kwekpSN0U0THJfZ0oxWWRTSllJaGwwcElZUzNJTFE1UHA5cWpZQ2hiTWlrX1VoczY4WGdzMGI0M01rZjcteHN6b01yck5VTmNscUxXUFd3YWhSakxLSUxPSGdBR3Ewd2w3WFhKY2lZNWhWVm1TRVhIRXlpcjVzRGdIRVpfYmdyVi1Gc1VKSFMxdDRmNHN5LWtZUjZoVVQxUnZYVlVyVkdxeVZBM1UzSDc1?oc=5) · CUInsight
- 2020-12-11 [Maui County Federal Credit Union breaks ground on new HQ, branch - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOaUwyZjIwYy1uRkNwU193dDc3VzdFbHIyeXRGLVFYV0ViSEhxcUNKZXBmeU84eGZ1M1NmaC1tZGIzUXpBNnJ0dDdSODJSRmJpTklTeFZDNmFyWE9lYmdDRGpaYXhiNFc3cWs0VDhMVWJESWlqMDdCeXY4c1Y5VU1HVHFQMk9JekNLM0dRWTd2eHhoaHl0Y0hjcXhiUzFBdTlrcXNtckx0MnFZOGs?oc=5) · The Business Journals
- 2026-01-14 [Maui County Federal Credit Union reopens Lahaina Branch - Maui Now](https://news.google.com/rss/articles/CBMikAFBVV95cUxNVUx3WHExLW1CN1NrYldSRWtWdU5VcnhjaDduemNSMFUtUUpWYzRRRWNxU2pCd21UUGx5QWdiaUpRUWlMbEJoZEtKcGkxSmkzNlR6a3p4RUlyRXFqazdZUjBOa2N4aGhrZUZBc0FZazI2cFpFcmxMTXRveUNRb0dYaEQyVWo0NWROVDFwT1lHcVk?oc=5) · Maui Now
- 2026-06-03 [Bartolome Santiago Obituary - Kahului, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOWUwOFVXRVc1RlpDdFBsWGxPdVU3U1N5VWw1TzBxOWk3Q0xyenNUVE1TRVgwRHRNaUxHWjZUazk3M1JEbm1mOHJlLTFOaTFYb2JzcGdDWElKWkhZdTZfMk1NaDVEVnlXM3hFQ3RwYlR1YlBPRkNXNTA4dWZucklNMUhtc1hYUVEw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1866 (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/10.json (key "1866", 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=1866
- 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