# WAIALUA
Waialua, HI · NCUA charter 2049 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/waialua-2049

Who the members are: federal charter, community charter, organized 1937, low-income designated, minority depository institution. 2,969 members of 12,000 potential (24.7% of the field); checking penetration 24% (share draft accounts per 100 members); loans per 100 members 15.

**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 | $47.6M |
| Members | 2,969 (-1.3% YoY) |
| Full-time staff | 4 |
| Net worth | $8.4M |
| Net worth ratio | 17.6% (p64 of band) |
| ROA (annualized) | 0.96% (p68 of band) |
| Total delinquency | 0.15% (p28 of band) |
| Net charge-offs (annualized) | -0.24% (p7 of band) |
| Loans / shares | 48% (p36 of band) |
| Cash / assets | 56.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.73% (p13 of band) |
| Operating expense / assets | 2.12% (p13 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.97% (p64 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 84% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 98% |
| Certificates % of member funds | 0% |
| Average share balance | $10,091 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 15% |
| Loans granted per 100 members, annualized | 1% |
| Average loan balance | $41,321 |
| Loans granted, annualized | $1.7M |

## Flags firing in the latest filing

- none

## Warning timeline

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

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

- 2026-06-22 [These local school teachers received $22K in classroom supply grants, here’s how - KHON2](https://news.google.com/rss/articles/CBMifkFVX3lxTE5nek03Nnh1Y01xaWMwdW8xaTdKa3I0Y3pTSVJMSWhTUTlQaF9PNkxNS3hRam91Y1VKNUhOMldrOGRJbUE0V2t1VS1HMVM3X2hmUWFNckxhLWEwTzNLdTdUOU41RFNWeGoyLUJocUZtWHExalRnSHhaR3h2YWpnZ9IBgwFBVV95cUxQWnMtMk5aOFgycEY3VktLSE9ET3ZZUGdOTnNueE5jSjc5eXpMVVZqSnFtb19tOVplRTFiQXk0VHZDTDA1Z1Jra1YzZFprR3V5UUpEbzNQZms0NlIwN0stOTlXTXNUdFlwWVF0MG5oeU54bGhDeVpBSFhwMUNzTHI1dzdOZw?oc=5) · KHON2
- 2011-07-22 [Raymond Tanabe: Meteorologist in charge - University of Hawaii System](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBvelNPTC16M0ZiZjJPYWw4S3hma2wwZUZQU3ByUlBuWjdfT0lpTWU5NmUzS2tVejNDeUhxMkxMRFV3R01UTjFhempVSkJWeUNxTkJRdkltUDR1SUxpWVFwa3FzR0pSblU?oc=5) · University of Hawaii System
- 2026-04-18 [Relief efforts continue for Kona-low storm victims - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOVllLLUx5X1haSHBsb0djT040VlRuTjdnVjVQR2lkcEozOGd5NkF5VFZYWmNCSjZLN3BwNXMtTDhfTUs2RnRWRThNYlVqWG5CaDRiNmFLeExnZTZPUk0yVEtIb0U0WDNtLUdHR3JpVXcteTRhT1Y2WlBMR25HV3FZS2dTVXlwVDFMUXhVUnY4emxFVHBSSzNBaDBxNmcwb1JhUEpGM3JMM0ZpOFU?oc=5) · Honolulu Star-Advertiser
- 2014-06-23 [HI Achiever: Koali'i Ladao of St. Louis School - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxPYnJaOWI2OW9Ga2hRdkJKSHQ2MDlRXzlCNVdXVnVVcHdyMXp6c0NFQm16dG5hOUc4WlhTckZLaG16c3k3Vy03TzBsSTdwa1hfQVJPanJHZzZTelRJcXBhc0xyUENCdXZvSVI4bnpwVzR0b1h6V1dySnh3NENuLVlBanpSeFRYR0NaR2fSAZwBQVVfeXFMTnNJYUdCOFdBazlnZnJWbWtyYTk4NGFCYTRFT3EtekxkWW9NTjc5V2s2aVNPVVZidDZOYzI1X1NGbGlacFBodEZEeE9BM3JULWhXUTFTWmVBT01LZm8wVG5XZ1d6ZGw3bWRfU1p1cVRtaHpsUlRCVzRBeEZCNVBoVUcxczVCbV9uN0FjZXBhVXN4aEZqdG8wNDNhNHBB?oc=5) · hawaiinewsnow.com
- 2002-04-03 [Honolulu Star-Bulletin News - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMib0FVX3lxTFBMZDVNV1FLQnNtdDVIMlNXVUZ5Rm00MEd2cUdsckw0TFpFTmh1NXJVT3Z2VFdrVjFCaG5yR2dHeUlnZzZ3RFdBZHh6cE1BZlRrWGFlcW9jQmV5djVHU2o0RGRHeGxyTGJLVm0zeEQwRQ?oc=5) · Honolulu Star-Advertiser
- 2019-04-30 [Big Island Chocolate Festival Winners Named - Big Island Video News](https://news.google.com/rss/articles/CBMilAFBVV95cUxOMnJHQ0llazdTaVctOWdjOTlUWXZNaDY5bXh6ejVWbHNRdXZmSWFSMU1fdFBZbEM2aVdhdDhZNHc5eGZSTnZIUGRuN1hkcFlBNjJsQWpsVjd0R2Via2d6aHExNHlia3FMc0xDM0xhZG5rcVpqVDhhdnBTMDgzTmR0VTZDb3lPdUNFVjRKQXNySVlKbXkz?oc=5) · Big Island Video News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2049 (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/1.json (key "2049", 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=2049
- 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