# KAHUKU
Kahuku, HI · NCUA charter 2275 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kahuku-2275

Who the members are: federal charter, community charter, organized 1937, low-income designated, minority depository institution. 2,105 members of 18,000 potential (11.7% of the field); checking penetration 14% (share draft accounts per 100 members); loans per 100 members 23.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $8.0M |
| Members | 2,105 (3.0% YoY) |
| Full-time staff | 2 |
| Net worth | $1.2M |
| Net worth ratio | 14.8% (p50 of band) |
| ROA (annualized) | -2.96% (p4 of band) |
| Total delinquency | 8.61% (p97 of band) |
| Net charge-offs (annualized) | 7.07% (p98 of band) |
| Loans / shares | 80% (p81 of band) |
| Cash / assets | 32.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.88% (p95 of band) |
| Operating expense / assets | 5.45% (p84 of band) |
| Vehicles % of loans | 61% (p48 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 10.79% (p98 of band) |
| Vehicle NCO | 10.90% (p99 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 38% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 65% |
| Certificates % of member funds | 27% |
| Average share balance | $3,592 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 23% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $11,432 |
| Loans granted, annualized | $1.0M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 5 | losing money, delinquency 2x band, charge-offs p90, repo signal, auto monoline |  |
| 2016-06 | 4 |  | losing money |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 6 | losing money, expense trap |  |
| 2017-06 | 5 |  | expense trap |
| 2017-09 | 5 |  |  |
| 2017-12 | 6 | assets shrinking, loans>95% of shares | losing money |
| 2018-03 | 7 | losing money, expense trap | loans>95% of shares |
| 2018-06 | 7 | loans>95% of shares | losing money |
| 2018-09 | 5 |  | charge-offs p90, expense trap |
| 2018-12 | 3 | net worth falling | auto monoline, assets shrinking, loans>95% of shares |
| 2019-03 | 4 | margin squeeze, charge-offs p90, auto monoline | repo signal, net worth falling |
| 2019-06 | 5 | repo signal |  |
| 2019-09 | 5 | delinquency rising | auto monoline |
| 2019-12 | 4 |  | delinquency rising |
| 2020-03 | 6 | losing money, expense trap, delinquency rising | margin squeeze |
| 2020-06 | 6 | net worth falling, margin squeeze | expense trap, delinquency rising |
| 2020-09 | 4 |  | losing money, net worth falling |
| 2020-12 | 2 |  | charge-offs p90, margin squeeze |
| 2021-03 | 5 | margin squeeze, charge-offs p90, auto monoline |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 3 |  | repo signal |
| 2021-12 | 4 | repo signal |  |
| 2022-03 | 5 | losing money, expense trap | repo signal |
| 2022-06 | 4 |  | losing money |
| 2022-09 | 3 |  | charge-offs p90 |
| 2022-12 | 4 | assets shrinking |  |
| 2023-03 | 5 | losing money, charge-offs p90 | assets shrinking |
| 2023-06 | 4 |  | losing money |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | expense trap |
| 2024-03 | 4 | expense trap, loans>95% of shares | charge-offs p90 |
| 2024-06 | 3 |  | auto monoline |
| 2024-09 | 5 | losing money, repo signal, auto monoline | expense trap |
| 2024-12 | 4 |  | losing money |
| 2025-03 | 5 | margin squeeze, delinquency rising, charge-offs p90 | loans>95% of shares, repo signal |
| 2025-06 | 7 | net worth falling, losing money, expense trap | margin squeeze |
| 2025-09 | 3 |  | delinquency rising, net worth falling, losing money, expense trap |
| 2025-12 | 4 | delinquency rising |  |
| 2026-03 | 5 | net worth falling, losing money | delinquency rising |

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

- 2010-04-29 [Former credit union assistant manager accused of stealing $45K - hawaiinewsnow.com](https://news.google.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?oc=5) · hawaiinewsnow.com
- 2016-10-14 [No. 1 Kahuku pulverizes Leilehua, 63-0 - ScoringLive](https://news.google.com/rss/articles/CBMiW0FVX3lxTE4xMjNIVTlacFNOaWttNG9waW5TTHVoQ21lZXJjMENEWjB3Y1JjR0ZNbUpYNFBES3BkU0g4WVRpdjk5Q3FkaWIydmVLRUh4WnNIdGlnTHR3cTNHMW8?oc=5) · ScoringLive
- 2013-05-02 [Kahuku schools lockdown lifted after police find suspicious device in park - Honolulu Star-Advertiser](https://news.google.com/rss/articles/CBMiywFBVV95cUxQVnh2ZExHM0dWSUhfWVdfMnJOYTZIa2tNbUdiNnFueDE0WGFjbzhuZnJjLTZyLUZ6VUdXcFhmZU9CTFhzTWJhU0Z6NWFYZ0FEUXcxMnhRWDA1NjMzbnk0YzBtbVJzbHVhNm92M2NNLTdnTWswRE4tbzAtYWFsQWRLWUtJZ0N2bTQ4bXhldXVTTDliX2xsaVpsaFJRb0l6WGUtanRXRmluMWgyN254R2pWSTdiTjZvUmFhckw1Zi1rMFZFS2xIekNWTDA5QQ?oc=5) · Honolulu Star-Advertiser
- 2025-08-06 [PHOTOS: Library celebrates record-breaking summer of local readers - KHON2](https://news.google.com/rss/articles/CBMioAFBVV95cUxOUzljSGVsY3ljZHZMWGxOa2ZHOXNfbnBjU1VxV2FIemo5Zy1VaFZqLVhtMTBEUE9wUXdHWDJHaloyckN3MTR4cjlPcG10TXF3QllYOW1kUUhhcVV3LU9SVkI5eDF0UlByOU9GeXo1ckdQQWYxSHBMTUxHbE9EclNwS1UyeGVXRXM2dktqTHgycDVESFdYSXBRSWRhQjlPUWpO0gGmAUFVX3lxTFBvV2lfQXFXSHJiTTNoZ2R2enRqMDNLNjFVOGs5VDRXN3J6NlJZeEpLM3BNVXJKcXdIS2xZdlBqNUlIYkZvR0t2RGZjbXdtRUEwUmZFR2ZGS1R3dWR5andZRGNkV2JjSlVJd3Z1ZUc1cWxwSmFScWY4TDZnTjZTRmdhUWdicGEwZjJldGtZMzhKX0hBYXBSQzZBSlB4S18zQjNjVEZzOXc?oc=5) · KHON2

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2275 (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/35.json (key "2275", 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=2275
- 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