# HONOLULU FIRE DEPARTMENT
Honolulu, HI · NCUA charter 1880 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/honolulu-fire-department-1880

Who the members are: federal charter, multiple common bond, organized 1937, low-income designated. 6,207 members of 18,311 potential (33.9% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 69.

**Verdict on the desk:** this could be *indirect buyer*. 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 | $85.6M |
| Members | 6,207 (1.3% YoY) |
| Full-time staff | 9 |
| Net worth | $9.7M |
| Net worth ratio | 11.3% (p34 of band) |
| ROA (annualized) | 0.61% (p44 of band) |
| Total delinquency | 0.67% (p53 of band) |
| Net charge-offs (annualized) | 0.61% (p77 of band) |
| Loans / shares | 72% (p72 of band) |
| Cash / assets | 34.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.97% (p67 of band) |
| Operating expense / assets | 3.25% (p40 of band) |
| Vehicles % of loans | 42% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 77% |
| Third-party paper % of net worth | 181% (p93 of band) |
| Vehicle delinquency | 0.17% (p22 of band) |
| Vehicle NCO | 0.83% (p78 of band) |
| Repossessed % of vehicle book | 0.05% (p80 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 18% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 69% |
| Certificates % of member funds | 7% |
| Average share balance | $9,052 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.0M |
| Loans outstanding per 100 members | 69% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $12,504 |
| Loans granted, annualized | $8.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.0M outstanding purchased (30.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -6.4% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | 3rd-party paper>100% NW |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | delinquency rising, charge-offs p90 |  |
| 2017-06 | 4 | repo signal |  |
| 2017-09 | 1 |  | delinquency rising, charge-offs p90, repo signal |
| 2017-12 | 4 | delinquency rising, charge-offs p90, repo signal |  |
| 2018-03 | 4 |  |  |
| 2018-06 | 3 |  | delinquency rising |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | charge-offs p90 |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | members leaving |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 5 | delinquency rising, assets shrinking |  |
| 2020-06 | 3 |  | delinquency rising, assets shrinking |
| 2020-09 | 3 | net worth falling | members leaving |
| 2020-12 | 2 |  | repo signal |
| 2021-03 | 4 | margin squeeze, charge-offs p90 |  |
| 2021-06 | 3 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze, charge-offs p90 |
| 2021-12 | 2 | delinquency rising |  |
| 2022-03 | 1 |  | delinquency rising |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 1 |  | delinquency rising |
| 2022-12 | 2 | leaning on borrowings |  |
| 2023-03 | 3 | net worth falling, delinquency rising | leaning on borrowings |
| 2023-06 | 2 |  | delinquency rising |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 |  | net worth falling |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 2 | assets shrinking | delinquency rising |
| 2024-12 | 3 | delinquency rising |  |
| 2025-03 | 2 | charge-offs p90 | assets shrinking, delinquency rising |
| 2025-06 | 3 | delinquency rising, assets shrinking | charge-offs p90 |
| 2025-09 | 2 |  | assets shrinking |
| 2025-12 | 1 |  | delinquency rising |
| 2026-03 | 3 | delinquency rising, assets shrinking |  |

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

- 2016-10-06 [How firefighter credit unions can increase your savings - FireRescue1](https://news.google.com/rss/articles/CBMixgFBVV95cUxNcWJELUZJN1NIQzhzMk12WXV2RVhOMTdwTzc0NW1YcEgyc1FWQ3kwZE1xTXFqSjVXdWNqWndhVFhvTV8tcUF4YnlCRTdTRC1nMDRuZS0yeF9SbThSVmtvZUctVnFRMElGNXdQYThSYlZYTzZ0eU1iQXg5djVEVGtYSFlxa1lrNzk4aXR6T2lhVk1XWEp3NWxKNWoxcC1fZENfQjR6cTNlQk1IdVlaQjMxUFNMWUFfOGprbGV4V2hxRWpTVktQNnc?oc=5) · FireRescue1
- 2015-02-19 [Honolulu Federal Credit Union names Mark Munemitsu president and CEO - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNdDlrSzl1WW96RXdOREVyTGlZeXNEQWpwWW1Cc1VtNFFEWFBVTFpaVWotaENKU1VkQTRnUGg5cVRlMkVuUFBNY0JwcWZCZHYyRTFNTG80R240SXJEMndmbFl1RkJkUUZDaWNDS3FFSVd4X1llZ2RueUVSSnllcnkyN1JSbDhaUjM4RENxa2lCanI0Q3M5ZHhESkQyY1FVMDYta2pZa0ExUlV3MGM?oc=5) · The Business Journals
- 2026-04-15 [Hot Shots – 4/15/26 - midweek.com](https://news.google.com/rss/articles/CBMiVEFVX3lxTE9SeGFYOG0tYzFuNEdrQjVqa19UczdISl9YZmNhUXdya3dXUXBUSU40bTJXc3R3NUxYRnhqOWlWdVZBbEF1b0lNVktSck9FLWQ3OFl6eg?oc=5) · midweek.com
- 2016-11-01 [The best states for firefighter and first responder credit unions - FireRescue1](https://news.google.com/rss/articles/CBMiyAFBVV95cUxNLXhTeDhURVVTbEFmMVhhVTBXb1lydDNEd21mRnNBcDk0WkFTdFJpb2xjaC1RMDlCT19NWWVzRzVyS0M4VUZPQ1diSTNHOWJKVWQ1Ny01bjF6dVk2dFBCWWJuMFFOOUZHVEdiTmZhU1hiS0Q1YWFmQWg4VnBKbmI0aktUYUFPS3dvWWhRR0xkOHYyUW50YjBsc1M0SlVLTl9IWFkxeU9hcXlXdVJUMEFjMmhoR2tCVHhHOUtiS3MtbEFqT2JQMkQ2Rg?oc=5) · FireRescue1
- 2023-11-13 [Opponents Of Shark's Cove Development Plan Are Pitching An Emergency Services Center Instead - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMixwFBVV95cUxPUWJlVlJSYUNwNlFyYXlJZExuUjVsQk5vVFlzTnZ4eFNMdzJUaTZzdV9LOTdoV3dJTHpDNktGZC1yLXQ5Rm5QdVNwV3Q2Q1NkaUVpT0NmaWxnT1AwZXJXLVlTR3lhX19YanFWU204R3dPN0xmYUlQMkpTd3N1TURvajV2RXc5VVNmWUNoNVRBSWw0NVl2RVJNbnhWeUdISVRoZDl0VGJub3dtTmJKUUFKMXNlS2NRMWF2M3ZhWmFXV2sxR1E4R2ZF?oc=5) · Honolulu Civil Beat
- 2010-04-26 [Chris M. Honda: Top U.S. paramedic - University of Hawaii System](https://news.google.com/rss/articles/CBMiY0FVX3lxTE1NcVNnVWhPbzdEaXdqeHNnWGUySTBxVUM3R21WeFhOdFFFSDFhVjJfeEE2WjhRekF2RVpyY0t1V0JHR0Vjc1R2SGxGZXRxQ1RINUR4S2lrYnRtcmpYcFE0YVpoVQ?oc=5) · University of Hawaii System
- 2021-03-28 [Alexander Beck Obituary - Kahului, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMigwFBVV95cUxPT0t4UmNqdXY4OHpUNHZFMEFfbThCUEdZT25kNHpxZWxDVEFoc0VhbzFkcVl5ckVyc0RxZk9uR1dIemJWZWJ5dGpFMmhDY0x4ZVN1OUttbEM0TmF5MW9Xb0pteHRTM1g2SGhMMm1VS0YwT1hIUXlLNWRFa0dLazlDZ1J3cw?oc=5) · Dignity Memorial
- 2000-02-21 [Honolulu Star-Bulletin Hawaii News - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMib0FVX3lxTE5WRjVtbWtJdXpnT2dFUlA2bXlPVDJEVmlMenAzTXNRbkREc2dyVUdxZVA1MmxCVjJkVDgxRkN0aWxoSmdfRThjbGxLM05OQlJkeU9QeVhDZ0VEUlFkZ1BvcWRVcUdHR2NuYldsY1VGdw?oc=5) · Honolulu Star-Advertiser

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1880 (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/24.json (key "1880", 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=1880
- 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