# OTS EMPLOYEES
HONOLULU, HI · NCUA charter 1868 · asset band <$50M · latest filing 2018-03 · stopped filing after 2018-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/ots-employees-1868

Who the members are: federal charter, manufacturing (single sponsor), organized 1937. 1,980 members of 2,700 potential (73.3% of the field); checking penetration 54% (share draft accounts per 100 members); loans per 100 members 48.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $10.2M |
| Members | 1,980 (-8.6% YoY) |
| Full-time staff | 1 |
| Net worth | $1.1M |
| Net worth ratio | 10.9% (p37 of band) |
| ROA (annualized) | 0.35% (p53 of band) |
| Total delinquency | 4.70% (p92 of band) |
| Net charge-offs (annualized) | 12.85% (p99 of band) |
| Loans / shares | 97% (p96 of band) |
| Cash / assets | 3.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 7.87% (p99 of band) |
| Operating expense / assets | 9.49% (p98 of band) |
| Vehicles % of loans | 43% (p36 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 3.97% (p92 of band) |
| Vehicle NCO | 2.76% (p95 of band) |
| Repossessed % of vehicle book | 0.00% (p45 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 57% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 91% |
| Certificates % of member funds | 8% |
| Average share balance | $2,429 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $8,956 |
| Loans granted, annualized | $1.8M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, repo signal, loans>95% of shares |  |
| 2016-06 | 2 |  | repo signal |
| 2016-09 | 2 | charge-offs p90 | loans>95% of shares |
| 2016-12 | 3 | loans>95% of shares |  |
| 2017-03 | 5 | losing money, expense trap, assets shrinking, loan book shrinking | charge-offs p90, loans>95% of shares |
| 2017-06 | 7 | net worth falling, delinquency rising, charge-offs p90 | expense trap |
| 2017-09 | 7 | margin squeeze | net worth falling |
| 2017-12 | 5 |  | loan book shrinking, margin squeeze |
| 2018-03 | 7 | expense trap, members leaving, loan book shrinking, loans>95% of shares | losing money, delinquency rising |

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

- 2014-08-26 [Former credit union employee is sentenced for embezzlement - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMipwFBVV95cUxOdDliY19FT1BvbDhSNzFuY0FudkZiSU1hZFd1UC1ZSURtd3BPMEpKM01QM1VZR3ZsUGhuRjVEc0pQbmFDYWoxTU82N0I5TjJJTkhXVmZLUnVVd3pzaUE0cFFhZ2xhRjFDOVlZY3NMNC1xNXUwWVY0emtlS1NwX0NEcTdzc0tOSDRXbHQtdkRqWVpTczNOb2hkcXM1YjllYU8yNUlGYkpOONIBugFBVV95cUxOM3NDSG83MG5GZzhMd3ZBTE5XYmhDUXp4VDVmV0lqdUp4NmZQdjd6YVRaUGpWZ21haUExZDFlWWRnU09MSmdFQlBWUHVkQzVoRXFZQ3JmVFlLUGNnM3ljR19aT19oSl9ueU1TU1QxYXFITUxXZ1VnUEl5dnNXNjV3TmRBY1pncUQtTnhYTk5OMzRGUU80Y2FtRUFYXzM1RVBnVTJoVGdBRk1kYWJ1RUtWeXJ2eE9PaDJZX0E?oc=5) · hawaiinewsnow.com
- 2019-02-13 [Aloha Pacific Federal Credit Union expands to Maui - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNNXpydzAwTkJXWlE4Tkowa1ZHMXpFb0tmV1Z2VTBIQ3U2NEc3UVNpUXg0VVBHT1ZQZVNxYW1DdlBidi15YlBFdFJKazNCMEFsejI3QllYNkVEY0trNElQZ3hpZnA4NzBNNTEya3k5akhKTko0ZWhMV1RaMDl4ZnN3aFl6S0lvNkxodE1GMzBrTGdwZWk1SlhLU0xUQjdvUTdPNWlkM1dVS2F3MW8?oc=5) · The Business Journals
- 2014-08-27 [Credit Union Was a 'Den of Thieves': Honolulu FBI - CUTimes](https://news.google.com/rss/articles/CBMiigFBVV95cUxQV014ckRKYk5HSEhlbU02enhzOUlmN2VaU2JpbDdNMzFqVElVS1dRX3ZBbDdyOXdrakUtWUpoS2d5UGRSOWk4YjJCV0RQU1ZzVk9udlMxVjNwTktpaWtzM2pmXzVVOURmV2V2RURBX25RdkRKSVl3SjRiN1JCaDNBU0EycS1sYmRJc2c?oc=5) · CUTimes
- 2014-04-24 [Former credit union CEO and 2 employees charged in $500K embezzlement case - hawaiinewsnow.com](https://news.google.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?oc=5) · hawaiinewsnow.com
- 2019-10-07 [Hawaii Pacific FCU merges with Aloha Pacific FCU - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSUdoMGJCWVZJU0kySUZtVV9idG1rUDNWQjcwYmxaM043VHM5NjJVNTFFdURtQW9qWmF2UGx0OG16U2FsSVFlNnl1cUlxdUdjM3M0QUdrYmYtN0F1X0hMSXRkSXNpSGlhenVBak04eXQwQ3lVZWNQRjlYemxPS3d3MlJnSXBGaExuNmdDVEh6eUs0S1ZvZWF2OU5nYmdsVkR2NDVaZm9GWWI?oc=5) · The Business Journals
- 2024-10-07 [Aloha Pacific FCU opens newly rebranded branch, following merger with Oahu FCU - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQ0U2dEJ4LWZjcDRjMndMYnFsQWdIbk55VHhQc1hwM0FzbGRQVFZadFMwN2lfQlhXQjJ0UVRGanA5cHJ2ZlRTajBES3Y4WUpaWlFheGlSLWZrbnVCYktydWtGa1N2dlJqbUpfY1psNi1Nalp3MEF3Y3lwOVRqQ0NQTDktZ3R3OWJWalN5S0RzZ2pHdGljbTRyUURqdXlaT3Iz?oc=5) · The Business Journals
- 2014-09-09 [Former credit union employee sentenced in embezzlement case - hawaiinewsnow.com](https://news.google.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?oc=5) · hawaiinewsnow.com
- 2024-07-16 [Local credit union approves proposed merger with another business - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX21GT2g1TDUxa2tTc0tEb2FPdFNxWlAzRGhWTGVMajN1MkNQck9wcXM2aGRpTWlDUl9sajdhdGhPV1E2ZmFySkZWWThRbnppdXZ0MVRCNHZnOFBURmlpUEVQWUFuME1UTUJvSlRyTVFNVU9DSG8xUmxHV01MQ1FXSFZpZW1VaUt1RkJ5TzJKOW03alhtS2V3dTFsTUZuTEVPNVFxVjFrU08?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1868 (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/12.json (key "1868", 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=1868
- 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