# HAWAII
Honolulu, HI · NCUA charter 2403 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-2403

Who the members are: federal charter, community charter, organized 1937, low-income designated, minority depository institution. 11,567 members of 998,747 potential (1.2% of the field); checking penetration 32% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $105.4M |
| Members | 11,567 (-1.0% YoY) |
| Full-time staff | 22 |
| Net worth | $15.5M |
| Net worth ratio | 14.7% (p80 of band) |
| ROA (annualized) | 1.43% (p86 of band) |
| Total delinquency | 0.24% (p19 of band) |
| Net charge-offs (annualized) | 0.83% (p85 of band) |
| Loans / shares | 82% (p74 of band) |
| Cash / assets | 17.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 5.00% (p96 of band) |
| Operating expense / assets | 5.21% (p90 of band) |
| Vehicles % of loans | 26% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.16% (p17 of band) |
| Vehicle NCO | 1.79% (p89 of band) |
| Repossessed % of vehicle book | 0.12% (p81 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 36% |
| Commercial % of net worth | 2% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 25% |
| Average share balance | $5,242 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $5.7M |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $10,093 |
| Loans granted, annualized | $23.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $5.7M outstanding purchased (37.1% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -5.3% year over year.

## Flags firing in the latest filing

- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | expense trap, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | delinquency 2x band, repo signal | expense trap |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 | delinquency rising | repo signal |
| 2017-12 | 3 | repo signal | delinquency rising |
| 2018-03 | 4 | net worth falling |  |
| 2018-06 | 1 |  | delinquency 2x band, repo signal, net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 2 | delinquency 2x band |  |
| 2019-03 | 2 | expense trap | delinquency 2x band |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | net worth falling | expense trap |
| 2020-06 | 5 | losing money, margin squeeze, members leaving |  |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 | loan book shrinking | losing money |
| 2021-03 | 5 |  |  |
| 2021-06 | 2 |  | net worth falling, members leaving, loan book shrinking |
| 2021-09 | 2 |  |  |
| 2021-12 | 5 | delinquency 2x band, delinquency rising, members leaving |  |
| 2022-03 | 3 | expense trap | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-06 | 3 | delinquency rising | expense trap |
| 2022-09 | 2 |  | delinquency rising |
| 2022-12 | 3 | expense trap |  |
| 2023-03 | 4 | losing money, assets shrinking | charge-offs p90 |
| 2023-06 | 4 | charge-offs p90 | members leaving |
| 2023-09 | 5 | net worth falling |  |
| 2023-12 | 3 |  | assets shrinking, net worth falling |
| 2024-03 | 0 |  | expense trap, losing money, charge-offs p90 |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | assets shrinking |  |

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

- 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/CBMiswFBVV95cUxNT0RYUldRaHNMQWp5MGY2SFg5cUhsem93S0lvLTNsMFQ2MTNlRE9kV1IzSVpDeVQ5Y3VtbDNuZmt3WW1tZ3FQWEQyU1ZPYVlfZzJqZTIxMElFYk5GNi1lRlRkU0ItN0s5MDNjVmFqelNzZXI1SVFwQXg0a1lrVDBDeUMydzlCdmh1N0ZnYVIxQ0gxSlpYeTJBX3B0TWtkV1FOMXNiWWgzYl8zRHJ6YjJ6NFk0VQ?oc=5) · Hawaiʻi State Department of Education
- 2026-05-27 [Hawaii State launches new savings option to help members build financial stability - CUInsight](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQZTJfdTVFcjJDWlpXNnJqZVdVOVZYOF96UEpJaXBvRUdyelhob0xDU2RrQWJDQ29XNjI5QzdaZExkc0hxRTRlbTNFc1hYa09ZRXRKWURYY2FuWldQV1AwanZrMm1mMDNMVWZUTEp4eVJTU3hEaE1seTRqQjNQN3RwMGtnd0dTbThHbmR4NXliY3hmb1lnOFFOSVRDVDNuQ1JYREUwZnUyYzczcEg5VUlNdVFzaU9UZ0VLZzNJZUdGTVo?oc=5) · CUInsight
- 2026-05-27 [Hawaii State FCU launches new high-yield savings account - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxOaElHc2RDUWFUUm9Dc0phQWtpdnZBbXZFb3hxSWhHQXlYZXpLVjNmMXZPcDBINHZUWlNNdzZ5Mk1EZlhwOVU3d19yU3FaYUxPUXZMZ3BPbDNnVm9HSVUyTk1RemgycmdGVUxGeldLWklPcXRJNHpleXpjNmdMX05ZcG9SYW02emJOb0tCeGwycWlnZUdlT2tOS0RqUFp0REVFSXc?oc=5) · The Business Journals
- 2026-04-06 [Big Island Federal Credit Union celebrates 90 years of serving Hawaii - hawaiinewsnow.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxPSHZJSzlxR2VhS2FQa2ZLVUIwSEVUYnRKbmJqUEk5S2s2YVl2ZW9tTlZLNTgyc2tkWGwyRVFEUlU5Q2xhcmRHVVdpbzRDY3YwUk5CRG9ISmFuRzNfcm5oQ0ZxZ2x6a1hhdVJ5VGliN195SlQwOWxNMHZ6ZjN2QXNDSXo5WFlsc1VuWnF1SlpEUVpDR3cyMDNHYU9NQmZrb0FLbEZuTVViZ3pmMm9qenVTaFY0Vlo?oc=5) · hawaiinewsnow.com
- 2026-01-21 [Best Certificates of Deposit Rates in Hawaii for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMiZEFVX3lxTE83R2IwVEhYRHlJZ0JMV0ZidUZvMkVqNk55Nl9odG55dk5Bdlp5WUxPQ29DcWk0bGpoVlRZbVpMMlVvRDhmNGs5X2p1YkcxSlFrcldlYlh0cjh6eFQyVlhBSXJnZ04?oc=5) · moneyrates.com
- 2026-02-18 [2026 scholarships open for Hawaii high school students - kitv.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxPR1VhVlNValdCalI5ZFlRckphNElkRktZNGpfWWpCRXppNjIxVHZRa2pSYXA2TjhHZ0hKcUNXTGhBOXkyaVlxSjVkemQ0bXBTUmFZODMySnNQNElCRzFjVnFmcEkzQnduY3NqUWl3RkhGakxTQ0dHZFJZeEItY21pQ0dISU1ocldUWHFaX1ZRbnlzb2JDQlpiSUNFdlc1QXVyc0xlSWQtV2FGbG1JT3V2MElxUDUxeFhiQldBR2FXankzczlSQlRwNVNn?oc=5) · kitv.com
- 2026-04-02 [Pearl City High School’s Vanessa Tadena honored as Milken Educators of Hawaii (MEH) Teacher of Promise award recipient - MyPearlCity](https://news.google.com/rss/articles/CBMi6wFBVV95cUxPWG13MzdkS3VfXzI4ZFhOQUJ0MExpcXhKUWtMaURaa3NxaHRHTC01NGZmX0J0S0RBUEw5MzVCVmVWWWs0M0o3UjNLYzZPWGxNeHZLbEVkeTFsejlNbVlYck41aldKMFNJcTMzQm80Nm9kN1ViaTdTeEVSc1VNY09SQmgzOWNVWWkwVXBwUVdiRWd3QjV6WExJaG8zdVJFTG5xa0RxZjZ1MzFWM3BRNTV4NUlnRE1uUURLUVdXU2VPLVdBcFowa1lQeGJQd0l6YnRKWWhVVHJaLUNpMDVlS3Z2UVo3S3U0dzZpR29F?oc=5) · MyPearlCity
- 2023-08-03 [Hawaiʻi’s Top 250 Company Profiles 2023 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTFBDWndrT21pTkJ3ekRLdDJodzBGSnI0enJkZE9YZl9Bb0tTakRiLXp0NGliZnAyQ080b0xHTkJpTkZFU3pLUk1zcl9wOE1GRmFHYjQ1Wl9BcFM2VlU0OHBPQnlFeDUweGNDcU9BWU9EdE5qUE9RR0owTQ?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2403 (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 "2403", 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=2403
- 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