# EWA
Ewa Beach, HI · NCUA charter 1987 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ewa-1987

Who the members are: federal charter, community charter, organized 1937, low-income designated, minority depository institution. 1,558 members of 80,331 potential (1.9% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $13.2M |
| Members | 1,558 (-1.4% YoY) |
| Full-time staff | 4 |
| Net worth | $3.1M |
| Net worth ratio | 23.3% (p83 of band) |
| ROA (annualized) | 0.84% (p63 of band) |
| Total delinquency | 0.09% (p25 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 30% (p14 of band) |
| Cash / assets | 73.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.11% (p60 of band) |
| Operating expense / assets | 4.13% (p62 of band) |
| Vehicles % of loans | 52% (p38 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 19% |
| Unsecured % of loans | 43% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 99% |
| Certificates % of member funds | 1% |
| Average share balance | $4,661 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $5,368 |
| Loans granted, annualized | $1.1M |

## Flags firing in the latest filing

- none

## 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 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | losing money |  |
| 2018-06 | 1 | net worth falling | losing money |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 1 | assets shrinking |  |
| 2019-03 | 1 | losing money | assets shrinking |
| 2019-06 | 1 | assets shrinking | losing money |
| 2019-09 | 0 |  | assets shrinking |
| 2019-12 | 1 | delinquency rising |  |
| 2020-03 | 0 |  | delinquency rising |
| 2020-06 | 3 | net worth falling, margin squeeze, loan book shrinking |  |
| 2020-09 | 3 |  |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 4 | delinquency rising |  |
| 2021-06 | 2 |  | net worth falling, delinquency rising |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 5 | losing money, delinquency 2x band, delinquency rising, assets shrinking |  |
| 2022-06 | 4 |  | delinquency 2x band |
| 2022-09 | 2 |  | loan book shrinking, delinquency rising |
| 2022-12 | 3 | delinquency rising |  |
| 2023-03 | 2 |  | delinquency rising |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 | delinquency rising | losing money |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 | delinquency 2x band | members leaving |
| 2024-12 | 4 | loan book shrinking |  |
| 2025-03 | 3 | losing money | delinquency rising, delinquency 2x band |
| 2025-06 | 3 |  |  |
| 2025-09 | 0 |  | assets shrinking, loan book shrinking, losing money |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-04-28 [Earned-wage access rules should protect consumers, not credit unions - Rochester Beacon](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNSDFUdTJsQi1vLTlxTkdvQzRHME1jSWQ1Wmp3M3FmTGEtT3hUNVdkbmlBM1E5NzdkN0MxWG5jRXAwVkk0QU1ScGhFejl3c2dPQ3JzQzNOV3psay0zUGk2WjJRRGd6S2ZTVzRNR0YzZkhnRGV5QlhxTElrNFFBNE5MTlVDYXh1bUZpNUQwVDZYWU5DMW9IUTVWbkY5Z2RsVWlfbHV0M3h4MDVOc0k?oc=5) · Rochester Beacon
- 2026-04-29 [HIDOE student-run credit unions prepare students for real-world finances - Hawaiʻi State Department of Education](https://news.google.com/rss/articles/CBMiswFBVV95cUxOb1FVSGxhZ2FDd3VKZExTMTFuSVBlVzZ0VU43RFZIUkhRTDh0b0NwU3pITHBCMjdNbFh6WW9BaWRjTTRsck9tZGxyUmN2TzA5XzRKdkxMT2dBX0k3V245cXQ3WG52aXEtWmlDVUhqTU1RVkF3S2hJMmdaM3pRUDdSXzA1U3ZiMFlPeDFKV0dZUFJkbExwbkc2T2l4eVpGY0gwRTBmT090dFplX2JzdGtveGxPbw?oc=5) · Hawaiʻi State Department of Education
- 2026-02-17 [Credit unions warm up to small-dollar loans, challenging EWA - American Banker](https://news.google.com/rss/articles/CBMikgFBVV95cUxQbGZidlNGb0RSOXkxQzJ1bTNhZFBfNXlSTXUyWHdISkhOYTNqdXVMNlZfdzhsZzBXekF2QlkzM0hzZDJvMllYam13ZklYX2VmSXp0T2dBZTI1MTU5TDR2aGNlZ0hZdENMUks5dFdpQ2ltWW5HRjBWRkMzZTZhM2Z3d2dubUZJYnNOWExQYVJmUFRQZw?oc=5) · American Banker
- 2019-12-03 [Hawaii State Federal Credit Union opens Ewa branch - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOZ2FEQ3NyUzhHV1IxOUdSLUVLcXNHMWhqS0NGVm9EaE1hUDRqX0Y4enhOalNOaFhYanlBeDBiRHZ6aklvbnl3SzNHQzNvRjAtcmEtU0cwR2pXbG1weTAxREtHOEtPQzZCaTFwNHAtSXJmMUhDTHg1MnkwTHhOWXlFNm5Ici0zSklFT191emp0eXRVLWRiaFRwMmU2M0hYWXB3cHJYTjljSjQ5MGs?oc=5) · The Business Journals
- 2024-05-15 [As Earned Wage Access Grows, Oversight Tries to Catch Up - Kansas City Fed](https://news.google.com/rss/articles/CBMiygFBVV95cUxQRHMzT0tDbHhnNUpxbWF4U3JrX1RuS2t2V2c3RTBHbldwOVE5eDZZREFHOVNUN0tOTHo4d2JmTU9BSUM4cXZBZHIyVkh0RmJWV0dYTEg0WUh6QmxOQ1lvOTNzQng5aHdCZmtvbDBSWlZYUlQwS0FDZlotWmR4QXRtdjEyaVpwZFkxalFIejlJalR2bkhNMXJvaWE0dDczM25JeVhhSnJpb3R6bV9WaHdaOHZWNEQ1ZmtMN2FVbGpHSWwyU21lblRneUZB?oc=5) · Kansas City Fed
- 2020-06-05 [Hawaii State Federal Credit Union reopens 5 closed Oahu branches - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMivgFBVV95cUxOS1VEOGtUMXhNLU1JTFdaOHB3SFJDY3VYNzcxSDlFWThnUEY2N19POVhENUF3TmxZQkRmcGcxNklKbXNEcndLMVBYM283QnRDM3d6alRZQTctanhVcF94eERud3pMZDlLRllWZzh6MFhnOXVlT3EzY0VkaEU2TVNMSmdTR2pINFRDeHBMNkpiYjRvSmM0WklKMkhfbFh4LWViRzZBR3VsS3hXdjU3dnU2SVJhVWhFSnBWbERUSmJ3?oc=5) · Honolulu Star-Advertiser
- 2019-10-26 [Ewa Beach educator honored as DOE’s 2020 Hawaii State Teacher of the Year - Hawaii State Teachers Association](https://news.google.com/rss/articles/CBMitAFBVV95cUxOcXh0bDIwTW9VUDd3cUt5U0Joa01qZEFwWGJxaV91MWJwU2tvYlpSY2VHRndUb2Z4bUR3Y0dzamtYaEpQN3hEekRiSVRhR2k2ajNHcFl5cDBibklLN2lQUWx3Wnh6UlVtRDdYeDY5dlBVanlncGs4bEZkM3dMbEl6SlU2bGtGZkxIcmc1d1hzcWpwZWU5MWZOUFBEWGwxN3dRcExLcGJsUGJXSWFUUW5kSDg0N1o?oc=5) · Hawaii State Teachers Association
- 2025-01-06 [Hawaii State Federal Credit Union introduces new loan programs to aid housing costs - KHON2](https://news.google.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?oc=5) · KHON2

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1987 (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/3.json (key "1987", 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=1987
- 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