# OAHU
HONOLULU, HI · NCUA charter 24830 · asset band <$50M · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/oahu-24830

Who the members are: federal charter, multiple common bond, organized 1936, minority depository institution. 3,171 members of 100,000 potential (3.2% of the field); checking penetration 49% (share draft accounts per 100 members); loans per 100 members 30.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $49.7M |
| Members | 3,171 (-7.8% YoY) |
| Full-time staff | 6 |
| Net worth | $3.7M |
| Net worth ratio | 7.4% (p3 of band) |
| ROA (annualized) | -7.57% (p1 of band) |
| Total delinquency | 1.25% (p66 of band) |
| Net charge-offs (annualized) | 0.18% (p52 of band) |
| Loans / shares | 44% (p25 of band) |
| Cash / assets | 45.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | -1.61% (p0 of band) |
| Operating expense / assets | 6.22% (p93 of band) |
| Vehicles % of loans | 23% (p12 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 33% |
| Third-party paper % of net worth | 40% (p92 of band) |
| Vehicle delinquency | 0.00% (p15 of band) |
| Vehicle NCO | 0.30% (p68 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 62% |
| Credit cards % of loans | 1% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 85% |
| Certificates % of member funds | 9% |
| Average share balance | $8,573 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 30% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $20,929 |
| Loans granted, annualized | $6.3M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **margin squeeze** (`earn_nim_squeeze`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 0 |  | net worth falling |
| 2017-03 | 2 | delinquency rising, members leaving |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 1 |  | members leaving |
| 2018-06 | 0 |  | delinquency rising |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | assets shrinking |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | assets shrinking |
| 2020-03 | 1 | delinquency rising |  |
| 2020-06 | 2 | members leaving |  |
| 2020-09 | 4 | net worth falling, margin squeeze, loan book shrinking | members leaving |
| 2020-12 | 4 |  |  |
| 2021-03 | 4 | losing money | delinquency rising |
| 2021-06 | 3 |  | loan book shrinking |
| 2021-09 | 4 | members leaving |  |
| 2021-12 | 2 |  | net worth falling, members leaving |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | losing money |
| 2023-03 | 2 | assets shrinking, members leaving | delinquency rising |
| 2023-06 | 2 | delinquency 2x band, delinquency rising | assets shrinking, members leaving |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | members leaving |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 | assets shrinking | delinquency rising |
| 2024-09 | 6 | thin capital, losing money, expense trap, margin squeeze | delinquency 2x band |

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

- 2026-01-13 [Hawaii State FCU becomes first credit union in Hawaii with interactive teller technology at all branches on Oahu and Maui - CUInsight](https://news.google.com/rss/articles/CBMi9AFBVV95cUxQWUt1N0lFMm84NkZQVEY5dHQzUWRreG1haUhNMU1zeHhFNEVJT1F5WmMyTWpMaGN1a1lLS0pBQjdSRXpUOEEwdk5kZ0kwekpSN0U0THJfZ0oxWWRTSllJaGwwcElZUzNJTFE1UHA5cWpZQ2hiTWlrX1VoczY4WGdzMGI0M01rZjcteHN6b01yck5VTmNscUxXUFd3YWhSakxLSUxPSGdBR3Ewd2w3WFhKY2lZNWhWVm1TRVhIRXlpcjVzRGdIRVpfYmdyVi1Gc1VKSFMxdDRmNHN5LWtZUjZoVVQxUnZYVlVyVkdxeVZBM1UzSDc1?oc=5) · CUInsight
- 2026-06-22 [Credit union gives grants to Hawaii teachers for classroom supplies - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxNYXZ1S3VUYThLZUlWRTItT2xMSEdtX3JUQUp6R05UaVhXSE9SUk5zdWljT2FEUzN0Mk54OTBvSjA0M21pZTEyUmpqVF95dFZwN1prYzd2a1dWQXR1MG1jZTZEbDYxMkNYSF91dDFZM0hJeDlGZThWMVByU25DNGs3NW9TVEFZX2VPeUNmSzdlNXk5RXFxSkk1bDZ0dEU?oc=5) · The Business Journals
- 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
- 2026-01-21 [Margaret Isaacs Obituary - Honolulu, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNNE1vZUxPMFJRZjJtU0VwYlN0YXdxU1dOZnZDTmRtYmdRMmVsbml6dGxBVzlEdUdVTzdkZUwxaVdWRDdReG1RYVlBYUhESlF1VEVCZ0pfZ0lUZWxDa0xpZHBKNzZidWYtMjltS2h3b3RsWDhTZ1VSMjNlQUpEbXNDeG9ySnY1QQ?oc=5) · Dignity Memorial
- 2024-07-16 [Aloha Pacific FCU and Oahu FCU announce merger - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQ1ZYckpRUERBQmZxcFhkNl9UX295MmdEdXhWWVd6Ri11dnJYMzBzVnV2Nm1qWEFnMkJIWWFJTGZKOEFtYy1YcUVvM21CcmwydGV1WEgyTnZzb0dSWWxGZ0tjYWZMbUwzX29MWk95T1g4SFg0ME5fdjBGcG82djM1bWlKdDduRlM1eEEyZ3hRNnlTWktNUUlEN1F4STdaMk52aDU2aw?oc=5) · spectrumlocalnews.com
- 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
- 2017-02-01 [University of Hawaiʻi Federal Credit Union scholarship opens to undergraduate students - University of Hawaii System](https://news.google.com/rss/articles/CBMikwFBVV95cUxPVzZvVWMzVEZ5c0RhZWN5OGdyTG4tMHhidi1vWU5LZFZSdG5LRHpKSHNSVWwyaERTREZDS1o3dVBRMGt3UkxsWHpyTjU2Qk15bENPOVVfQ3NhRlo3QTJVUmtYZTl5eUpZQnFRV1FXVjRna1otajJxY3pUSmFMY1c4REpNMGptaW5lQ2hCeWlBMVhVaWs?oc=5) · University of Hawaii System
- 2025-09-16 [Hawaii State FCU opens new branch at HMSA HQ after merger - The Business Journals](https://news.google.com/rss/articles/CBMiogFBVV95cUxQeEJLWnhLalZNN1U5ZE4tNEgxRzNWTk9EM1RJdzRzeWNVYTRNNnB0SWx5R1c1TnNhMUpUYVQ0TVUxNm90NDhTbjRFMGo2Nmk5MlA2RVBienNIRHdXaVpnUHhGdWR6a0R0SEFrX01iWm11UmhmM0g0ejNtNndud0JQNGRVdUJFc19xcUxwVmJsQXNuTFJXZ0luZ0dtVFZCcUJpemc?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24830 (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/62.json (key "24830", 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=24830
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide