# MAUI
KAHULUI, HI · NCUA charter 2562 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/maui-2562

Who the members are: federal charter, community charter, organized 1938, minority depository institution. 7,308 members of 144,500 potential (5.1% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $145.0M |
| Members | 7,308 (0.4% YoY) |
| Full-time staff | 15 |
| Net worth | $20.2M |
| Net worth ratio | 13.9% (p76 of band) |
| ROA (annualized) | 0.77% (p54 of band) |
| Total delinquency | 1.19% (p80 of band) |
| Net charge-offs (annualized) | 0.42% (p59 of band) |
| Loans / shares | 29% (p3 of band) |
| Cash / assets | 22.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.57% (p5 of band) |
| Operating expense / assets | 2.42% (p11 of band) |
| Vehicles % of loans | 37% (p50 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 3% (p37 of band) |
| Vehicle delinquency | 0.98% (p70 of band) |
| Vehicle NCO | 0.32% (p37 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 42% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 20% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 34% |
| Average share balance | $9,611 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.5M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,421 |
| Loans granted, annualized | $9.9M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.5M outstanding purchased (12.4% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.1% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | net worth falling, delinquency rising |  |
| 2017-06 | 0 |  | net worth falling, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | assets shrinking |  |
| 2018-09 | 0 |  | assets shrinking |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 1 | net worth falling | delinquency rising |
| 2019-12 | 0 |  | net worth falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | net worth falling, margin squeeze |  |
| 2020-09 | 4 | delinquency 2x band, delinquency rising |  |
| 2020-12 | 5 | loan book shrinking |  |
| 2021-03 | 5 |  |  |
| 2021-06 | 4 |  | margin squeeze |
| 2021-09 | 2 |  | delinquency rising, loan book shrinking |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | delinquency 2x band |
| 2024-12 | 1 | delinquency 2x band |  |
| 2025-03 | 2 | net worth falling |  |
| 2025-06 | 1 |  | net worth falling |
| 2025-09 | 0 |  | delinquency 2x band |
| 2025-12 | 1 | delinquency 2x band |  |
| 2026-03 | 0 |  | delinquency 2x band |

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

- 2026-06-16 [Catalyst Launches Maui County Federal Credit Union on the FedNow(R) Service - Newswire.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQWks0cWNQZHc3bjA0aUl3cldrWnYtT1JhdVdMN0lVd055RUNqeGExVW1rOWRoYmpHSGpZa0c1YlozTnBhZUlobGhUTjMtQkNyRFlPZnRVWDNTWDZZUzBQdW1uVVpkSXB1elZENzBlVDduWHBCNF9VT1NHMF9fMXlvb1dCbHRCUUFtUU1PVGpZWGx3am1UVDQybE9uc1RjZElSN0hDbQ?oc=5) · Newswire.com
- 2026-06-17 [Maui County FCU launches Adopt a Backpack school supply drive - Hawaii News Now](https://news.google.com/rss/articles/CBMiowFBVV95cUxQTGhsOEo2ZlRDVy1ZOUJOdV9wVm9YaXlMMm9aT3NTc2UzekZMM1FrcE1RdFBCZXotTjFabW1nOWFNbmxzTGFpRVprSUxPS0JZSHh6aFJPMTlqaW4wQlRiaW0tcG83eTBOdm9PaHRGTmN1ZDRlMVk2N0dkU0hzLW5TNXVmclNCU0ZBMEtocnBBSTdQTUxkb0lKYTBoNjJKUnNSV0pn0gG3AUFVX3lxTFBCSUlTSzJzVk9IejFwS21HcHpuVUVsWXJENE5zU3I4ajhKbnhhOTNNMDBuc3l4Vm5FYVBoWnQtOWxTUTg2dDdSc1pYLUFBV1NhWWMzc0UydUxXc0Z3VGstb2c0Z3Q0UnB0NWZWN2JOclNDYVlsSjNHV3VENjlPRXFESmJSMHpMdm5idGpobHZteEZ2QXhqdmROU05oaU9DZEVjTGZla2xYWnlWX3Rkdl9zQXdLNmV6MA?oc=5) · Hawaii News Now
- 2026-04-15 [Maui County Federal Credit Union seeks scholarship applicants for continuing education - Maui Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxOSGJFNUlaWDREaC1MTlpXMDZxWC1VV3ViMTdmRklOYVNodWFreFUtMkYtN3R4T3h3dXpmZWxXaEctSnRzSHctYUtwS3Y3SklOTllSODFGalZGY1gtemU5UFRnOXdZOUVZZXpJSkxUWkI0V01fQl94ZDFUQWtuZEhGaXZPTlQ4S0EtVS13b0VwcUs4Z1kyRXlvU3Bmb09MeVNLbXlyemZwWEMyS3dXQlNyeUNOZXMzN1d3NGc?oc=5) · Maui Now
- 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
- 2026-06-24 [Salvation Army Kahului Corps calls on community to help Maui students - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNb09DMkUzSjBYREJvX25TR2c2ZFNrM1I4OXI1SzVpTGY1bHdLd200Qm9MdVFnQzZvRDFCRmVLZFhjS011UFNubDEwZnZ0aF9QTjlfSlhyRmotRDZITzByMDl4bE9janlVOUg3aXZlS010TGU4NkpxNncxRFQzdFlSWF83c2pxeXd2c2doX1JEdmtCcUJ5WV96Rk41Wl9jM29IRVpXelhqVURSTnpGcUlrR1BESDdVdHVzRHltSF90MVc4RmM?oc=5) · spectrumlocalnews.com
- 2026-06-23 [Hawai‘i State Federal Credit Union awards $22,000 in classroom grants, including five Maui schools - Maui Now](https://news.google.com/rss/articles/CBMixAFBVV95cUxQUVpnbGxGcVFwV0RZV2lyTG51NjNzRThWTFN1WlpuSmtrUEI5dDl0bnljTlpuSVE3UlI0QjJaU29LMk9pOEQzLXA2eVpZWFNEeThCc19HZERIU24zZFNQWExiNzRWa1JTa0U4TDRUWFB6eEhXZGZIemtVbi0zeDVwdzZKY1MyZG9zbE9TQXBwd0Z5SGljazZXX0NpNG9SOXRTTTBjdDdEZVRKdjNZbzNyWnNkRmpIRTJqclN6ckdxZ1FHQ0ta?oc=5) · Maui Now
- 2026-06-03 [Bartolome Santiago Obituary - Kahului, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMiiAFBVV95cUxPOWUwOFVXRVc1RlpDdFBsWGxPdVU3U1N5VWw1TzBxOWk3Q0xyenNUVE1TRVgwRHRNaUxHWjZUazk3M1JEbm1mOHJlLTFOaTFYb2JzcGdDWElKWkhZdTZfMk1NaDVEVnlXM3hFQ3RwYlR1YlBPRkNXNTA4dWZucklNMUhtc1hYUVEw?oc=5) · Dignity Memorial
- 2026-06-30 [Hawaii State FCU donates $20,000 to the Friends of the Library of Hawaiʻi - Maui Now](https://news.google.com/rss/articles/CBMirAFBVV95cUxQdDdUTHE5WXFxS1gzblNHVGpleEF0X1JvbXo0SmNUcTNuT0l3SDNoWkIxeDVFT3VpaGhGRUR0NVU4cGVtV1V0RlZ6N1BFY1JGOVdxbEJnLXZBTm00RHhtY0Q0RzJZTFNOVGR0WjkxQzVPZTJVZHZOWWtkbWwzcGw0RlI2Y041WW5XVHNKS2t2VEhYSnhfSXRnTzg3emxmckdsdGp1WWt4UnBrdUEx?oc=5) · Maui Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2562 (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/2.json (key "2562", 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=2562
- 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