# CU HAWAII
Hilo, HI · NCUA charter 24630 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/cu-hawaii-24630

Who the members are: federal charter, community charter, organized 1955, low-income designated, minority depository institution. 29,596 members of 209,790 potential (14.1% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $453.2M |
| Members | 29,596 (1.1% YoY) |
| Full-time staff | 94 |
| Net worth | $49.6M |
| Net worth ratio | 10.9% (p46 of band) |
| ROA (annualized) | 0.41% (p29 of band) |
| Total delinquency | 0.20% (p12 of band) |
| Net charge-offs (annualized) | 0.25% (p34 of band) |
| Loans / shares | 55% (p12 of band) |
| Cash / assets | 4.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.10% (p22 of band) |
| Operating expense / assets | 3.21% (p30 of band) |
| Vehicles % of loans | 20% (p21 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 50% |
| Third-party paper % of net worth | 107% (p59 of band) |
| Vehicle delinquency | 0.65% (p56 of band) |
| Vehicle NCO | 0.78% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 60% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 43% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 21% |
| Average share balance | $6,491 |
| Participations bought / yr | $91.3M |
| Participations sold / yr | $0 |
| Participations outstanding | $75.7M |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 9% |
| Average loan balance | $16,776 |
| Loans granted, annualized | $129.5M |

## Participation posture (from the same filings)

Bought $91.3M and sold $0 in the latest annualized quarter; $75.7M outstanding purchased (152.6% of net worth), $0 sold and retained. Sold in 0 and bought in 6 of the last 8 quarters. Shares 9.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | net worth falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | delinquency rising |  |
| 2018-09 | 0 |  | delinquency rising |
| 2018-12 | 1 | delinquency rising |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | delinquency rising |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 2 | net worth falling, delinquency rising |  |
| 2020-06 | 4 | losing money, margin squeeze |  |
| 2020-09 | 3 |  | delinquency rising |
| 2020-12 | 2 |  | losing money |
| 2021-03 | 3 | delinquency 2x band |  |
| 2021-06 | 0 |  | net worth falling, margin squeeze, delinquency 2x band |
| 2021-09 | 1 | delinquency 2x band |  |
| 2021-12 | 1 | net worth falling | delinquency 2x band |
| 2022-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2022-06 | 1 |  | net worth falling, delinquency 2x band |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 | delinquency rising | 3rd-party paper>100% NW |
| 2024-09 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2024-12 | 0 |  | 3rd-party paper>100% NW |
| 2025-03 | 1 | net worth falling |  |
| 2025-06 | 0 |  | net worth falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 2 | net worth falling, 3rd-party paper>100% NW |  |
| 2026-03 | 2 |  |  |

## 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/CBMiswFBVV95cUxOb1FVSGxhZ2FDd3VKZExTMTFuSVBlVzZ0VU43RFZIUkhRTDh0b0NwU3pITHBCMjdNbFh6WW9BaWRjTTRsck9tZGxyUmN2TzA5XzRKdkxMT2dBX0k3V245cXQ3WG52aXEtWmlDVUhqTU1RVkF3S2hJMmdaM3pRUDdSXzA1U3ZiMFlPeDFKV0dZUFJkbExwbkc2T2l4eVpGY0gwRTBmT090dFplX2JzdGtveGxPbw?oc=5) · Hawaiʻi State Department of Education
- 2025-08-21 [CU Hawaiʻi Federal Credit Union Opens New Student Branch at Pāhoa High School - KWXX - Hawaii](https://news.google.com/rss/articles/CBMitgFBVV95cUxNbHJYTEdWaGxjZ1Z5RVgwM3RZb1JRM21tdlY1dXhjcGNfNjZvclpXX2VYWm1yWVBuNV93MUJGYlZHMmFKTEZ0eERkbXJsNXZqSmFEdnUzalFYQmtrbks4eVEybHk5dzZ1Uk41eGxadC0xUlR2YmdnTm5QRUhvbjBHeHFueF9GbEpxdkFDM3lfRmZpTUkwNzJQSXp2VE9WaTI1U3Q4bHp1WTRUNHVxclhDWnM4d1EwQQ?oc=5) · KWXX - Hawaii
- 2024-04-14 [CU Hawaii Federal Credit Union opens new student branch at Kea'au HS - kitv.com](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPOFB3OHNPVzR1TXN0VFZtbFN4OXBYZ2ZCdnY5YVJGU01sTXY0TmVEWE4yekxpWEhjeHAzanNqbzJaeDNJTVJDUTJRR0k3aGRlOXpvRWFGczVCUktoZXk5TC04VUp3ODlkZ0d5Vl9XRERMdHZyMnZlTVlNUmZlREFMckY1SVBUUXI1S1ppLUNCSjZnOUJZRWdDRklkU0RQNmYtOHpxX0Q2OU9oX1JhT0NzT3V5M0I0NFZqRnpqeUVEb1JqMGtRMFNyVFREcHR4LWJGT1dqMGF5M2RTZw?oc=5) · kitv.com
- 2025-08-20 [CU Hawai‘i Federal Credit Union Opens Branch At Pāhoa School - Big Island Video News](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQRFBuU1F0MG9RQlBkcUpDRE1FSUM3NDhfcjNQRVBXSnhfOThvTk5wX0YzVzNhZWpheXpuRVlIRGdPZ1hGbVh5dVFUSDJYcUdxcm1GNE0yT3VRcFVaMzVQdzhFbklDVDg2eE12Y3o4dUdxVTNLcmJyOGxRS1gxRE5XS1h1VFBpZTJMa1JtTHRtZlRTaEZ5SlluRjlCajJOMjJkSDlpcXd5M1JPdw?oc=5) · Big Island Video News
- 2024-05-07 [Keaau HS promotes financial literacy - hawaiitribune-herald.com](https://news.google.com/rss/articles/CBMimwFBVV95cUxPRS02Si1ENUcwc2VSbDRsVFBtV0dyLVRZcXVfVXppeVlnWFpuMzB2d2tjajluek5EM3hMZEF1cGEtUkNTb3N5aFpFWHpqbEFoOEhCWFd5U1FHSEFmS1FRMVVQM3JHN01oRDFRV1cwN3JTWXBBdFJOcmFnUS1VQTMxTUFYb2dlMjBlMEN2TXFxMFFmRDZUY1FaT0RJaw?oc=5) · hawaiitribune-herald.com
- 2020-06-19 [Former manager at a Hilo credit union charged in massive cash theft - KHON2](https://news.google.com/rss/articles/CBMiowFBVV95cUxNSDRCcDBzb0JEOFZvMHlrUmp5ZHNjalFna0RJS0I1cmhRajdWblFKNWdvZmp4eXJNRUxBMGg0d1FGWFVmNUdwSThsb25SaEJsWWp0dU9vWENCNzQzcTNWbTZVLUNoT3dVS1NKcU82eWdLY05qQjR5b0p3ZU9Bd2NCaUtGOVAzdW03dUJvQ1htS0Q3dWRjU3dKaTNiWmxxSUNsSUM40gGoAUFVX3lxTE81aU5xUjg5Q0FZR3JkRERWQk9fZGl6TnpldTFJTkcxbm5sWkJ1ODZxc2lUYzVqOTlyWEdjRnBRbVl4QnZLNUhHQ0pJTWxWbzMtWVRpMVZEOWt4Skpwdl9Pb2pEWGcycEg1dWRnZHYxNEk2bGZ4R1l3THNvWnpiSGZ1MW5McWY5bkF1d3hQXzVVTldHSzRmcmFqYk42UXU3ZjJ2VWdyMTA1UQ?oc=5) · KHON2
- 2024-01-17 [Google Wallet now supports 44 more banks — here's the new additions - androidpolice.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxNc2tTNzBQQjlWRmhZQnBFTFdzVlVWWDBwcUc0TkhyNWl4T1dfM0hLU3oxNDZPdlhqWV9mWmEyd3VRWVA0enVPaWk0SGFwSm9QM2E2X2M5ckpOblU2cF9lQkNZbzl6alFweWE0M25fYVZQdVBqV3BtNzIzRDJYNjhZTWw1QkZBUHI5VDBlbmVB?oc=5) · androidpolice.com
- 2024-01-17 [Google Wallet adds support for over 40 more banks including Venmo - 9to5Google](https://news.google.com/rss/articles/CBMiekFVX3lxTFBFRngyX0h6VU1CeWUyekdkbkZZZVNmUXJCOTRqb0w5T1lDR3VVTV9uZi00T3VzTXh5VVZraEJhaGFZTFU5T1F0M1RDSlU3RkVMUlFVNF95Mk90WVk2bXQybE9YSjg3dEdNWVB2dnZtZnRFSzRlUE95cnp3?oc=5) · 9to5Google

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24630 (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/54.json (key "24630", 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=24630
- 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