# HAWAII CENTRAL
Honolulu, HI · NCUA charter 24839 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-central-24839

Who the members are: federal charter, community charter, organized 1937, minority depository institution. 16,294 members of 1,016,508 potential (1.6% of the field); checking penetration 45% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $311.3M |
| Members | 16,294 (0.4% YoY) |
| Full-time staff | 32 |
| Net worth | $30.2M |
| Net worth ratio | 9.7% (p26 of band) |
| ROA (annualized) | 0.63% (p45 of band) |
| Total delinquency | 1.22% (p87 of band) |
| Net charge-offs (annualized) | 0.28% (p38 of band) |
| Loans / shares | 61% (p24 of band) |
| Cash / assets | 11.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.47% (p4 of band) |
| Operating expense / assets | 2.23% (p6 of band) |
| Vehicles % of loans | 4% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p22 of band) |
| Vehicle delinquency | 0.44% (p40 of band) |
| Vehicle NCO | 0.00% (p4 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 31% |
| Core shares % of member funds | 56% |
| Certificates % of member funds | 29% |
| Average share balance | $9,660 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $16.7M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 3% |
| Average loan balance | $31,826 |
| Loans granted, annualized | $25.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $16.7M outstanding purchased (55.3% of net worth), $481,743 sold and retained. Sold in 0 and bought in 5 of the last 8 quarters. Shares 5.7% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

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

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

- 2026-07-23 [Credit union leader's succession plan: grow to half a billion, preserve culture - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxQSHJ5aWQ0TWdKN2pfQ3pNT0NZUFJWNWVQR0J6eWlESGZHd1hTVEhfQXpaMUc3LVFRMUdXX3VwZ05FVWNfak5xU1NDOUJTWVJldGdkOGt5NjV6N0F6UlpBaGYyVFVMUDFIR1RYWW05YjFCbUt5cjFSNV9iRndfekp2bmhCS2RQQnZPZ2tKMFNrMWY?oc=5) · The Business Journals
- 2024-11-14 [Lanakila Pacific paid work experience program makes a difference - CUInsight](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNeGZaM3g1WVllYS1jUTdRS1NBRXI0TndlM253UzRQcDltNzRrc203bEVkcDQ5V3RuVVhqeHJwbXc3TmpQdWs3TWpzV3JBeXpreG16MHJwLUg4b3d1dFpQRFk5enVwSGhhUHpnbnFVUDlRZmxEdkVuYmRPMUw0a3ZHeVQ0MjZ4cjVMdFJRQzdIbHRpZ1ZFQ0FKNWJNYnZvX0IxU0xuRk1WcDg?oc=5) · CUInsight
- 2024-09-24 [Shakas & Shoutouts: Hawaii Central Federal Credit Union, Na Wahine o Ke Kai, & the Dating World - kitv.com](https://news.google.com/rss/articles/CBMilAJBVV95cUxPWV9SbnppeHd6ckVMaW5nY3luSE9EajVMLURXWWpwRzIybW90MWZ5RlBONzN0UVcwc1JRVExXcXhvWnhBTWhoQTlzUGF2TE5Dc2FOVWxtdVRLcU1BcFFaeEFBUVpLWjNYdGRlcGxQNlJhUnViRVM0Q3hGMWtTdFYwaVY2QlFHMzg3MFpOOEZ0bUZpbFY3cHFHNFNZTHJyajkwTmtzTE9ZRmY5anY5dDlFbGlCbC1MZ0VzWVhpWjc1OHlrZlpOTXFveEJNLThZXzloQzV1MEVEWWxhLXA5U3RCbFNnaVpLZnd2c1pteWFSVS1LVUNZT3FHT1k3cW9RVmlzX3BPQ0VCdWRNTUpXRlRkQWJRaWE?oc=5) · kitv.com
- 2023-09-14 [Local credit union warns of scammers targeting its members - Hawaii News Now](https://news.google.com/rss/articles/CBMingFBVV95cUxOcHRGOGRSVkpOZEsxMi11NTczdi1oSmpUNVVYdExpdHVBZFlFYzN1WEFUZ0gzWmI3S2lCSE96UXNnSnA0UzMyUVZMNnFZWjJTVm5hN1NMbE85LUR6ekpweXpfaG51WXI4UlIxSjZXaHV6c1B0UTU1V0NLYlRNcTZBdFNVRTFaclp4V1ZzdXk5ME0wQlh4R3dlVmVGaTZPUdIBsgFBVV95cUxNdDAxa1ZNV1BLTUxTLXdtLUFfTXNsSmJ5cnJKUjRXa250cnJ0dDE3N3RJV01sTjY5aWdwbU53ZFRTSFFGVnBqUUp4T0lxWHVBbmJpRFhiT1pSR2c1MzJuV3JfLXZfYm5sdVBkVDZ2SXFfUFYzMm9JVVV1T3FRMXJLbFRyWDZHb2tCdjlHUFpjbEJRZUtJMzJsVG5VU3piSl8zMmJPSG9ZVHA2cHo5emZ3eHhn?oc=5) · Hawaii News Now
- 2019-03-13 [Judge Approves $1.3 Million Sale of Kealohas’ Hawaii Kai Home - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMilAFBVV95cUxNMnp4UUVJT0pIenVGc2ZPZ3JtMHlGNWNxZlRHbTRISnZsUXZicGRtM24zRjVrZmZGMXhienlFdWMyandVX09EV1U0MGpkbzc2U0NkLW5qY1NjWkctLWZTWEhsc0ZTN1AwcEVOeHlESWZ2aXhzRmM3ZHlYRTJsVXcxbWlrcDBlSEJ4OHdDMnZ5dko5a01z?oc=5) · Honolulu Civil Beat
- 2017-09-27 [Hawaii’s Most Profitable Companies - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMidkFVX3lxTFAxbndrbFk5dnl2XzFfQktZdHVRVGtWd21waHIzaHYyVjVpVXJwRnV6UFlHS2Y0LUN6ZUFFQnFuTFJkWUFLQ1d3Y2VhQktEQlo3Q0oxZ080cjRLRTdKa2pvR2F4ZjM1ZnRxb3JCTjd0dWFwWVZlV3c?oc=5) · Hawaii Business Magazine
- 2018-03-15 [Mary Serrao Obituary - Honolulu, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMif0FVX3lxTE5IdHZac2ZsNEpseWYtOGF0UHVVZUd2cU8tR2ZsaFBJUEF3c0ROSHVQeGVqcWF2VktaeVgzUDVuYlQtYVgzSmlwV1ZMMUtxZFl2X3QyejhQNUF6ejBmMmRXM3RHbE9DdE95eFJZZzhKVGZwUlhkUHMtMklaVjBsX1k?oc=5) · Dignity Memorial
- 2021-01-07 [Legal battle brewing over portion of proceeds from sale of Kealohas’ home - Hawaii News Now](https://news.google.com/rss/articles/CBMipgFBVV95cUxPRXhzanVTZFZWY0RST2lfQUltelNaUm81MXRiMFkzeldGa2pmRDNjcmxac2JYb0RwZTF3VjVEU2ZVQzBiNFZSMG5EMmFaUEhCSnFuZTJvWlJMYnZzZi1Fd2dXZ1ZJb3NmS2tZT212RWpqVlQtZUEyX3JsWVM3MkRnOEpzb0NFekdSZEdEVFlKazhSeXItTVN5a1M5ZUdCOHdwbmVXZFFn0gG6AUFVX3lxTFA1YVlnTUxqNGNXZzNrSG5fOVJOOU5hV0FJOElYbV9ZVTA3M1k3WUhuZUktYXdDRWs5QWgxdWRydi1wOFdUU25zaFdBeXdXR2M1eU9HMzRmTzI3bG5IT0EzS1EyYXhfOWlHemhNME9FTEctdmd1UXJCQUptVHlIRk9UVFlYUnlvWUFmWDB3MDVrLUJqcktrOTRMb285UTEtZXJtaFphUDM0LTJJTGpYNFJZWWkyZkZkekVTUQ?oc=5) · Hawaii News Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24839 (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/7.json (key "24839", 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=24839
- 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