# WEST MAUI COMMUNITY
Lahaina, HI · NCUA charter 2563 · asset band <$50M · latest filing 2017-06 · stopped filing after 2017-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/west-maui-community-2563

Who the members are: federal charter, community charter, organized 1938, low-income designated. 3,114 members of 19,000 potential (16.4% of the field); checking penetration 18% (share draft accounts per 100 members); loans per 100 members 24.

**Verdict on the desk:** this could be *auto monoline*. 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 | $38.0M |
| Members | 3,114 (6.0% YoY) |
| Full-time staff | 5 |
| Net worth | $8.0M |
| Net worth ratio | 21.1% (p87 of band) |
| ROA (annualized) | -0.16% (p22 of band) |
| Total delinquency | 0.47% (p36 of band) |
| Net charge-offs (annualized) | 0.35% (p60 of band) |
| Loans / shares | 26% (p9 of band) |
| Cash / assets | 3.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.09% (p16 of band) |
| Operating expense / assets | 2.37% (p23 of band) |
| Vehicles % of loans | 70% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 45% (p94 of band) |
| Vehicle delinquency | 0.37% (p43 of band) |
| Vehicle NCO | 0.06% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 26% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 89% |
| Certificates % of member funds | 11% |
| Average share balance | $7,602 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 24% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $10,498 |
| Loans granted, annualized | $5.4M |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | net worth falling, delinquency rising | losing money |
| 2017-06 | 3 | losing money | net worth falling |

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

- 2025-08-12 [Maui County Federal Credit Union announces new President and CEO - Maui Now](https://news.google.com/rss/articles/CBMinAFBVV95cUxOdFJ5TUpGMWJFdnZJNS1GeXhqdHVkb3hhUFVtUU14d3ZNRGMxNTZuV3owV09XZ2RtekZxTnFRZERSNkU2OVJMSi1NeFMya2M1ZnBiSS1tWWZDRENEQVlabzZUdzF0MHR4aVQyWjBLZktMMkpPYlZJN3hhQ2wwTUxwMFF6dWY4LUp1TmZiMGhSYzdPRDF5UVhMcUtEa0o?oc=5) · Maui Now
- 2017-12-26 [Remembering the Credit Unions We Lost in 2017 - cutoday.info](https://news.google.com/rss/articles/CBMihgFBVV95cUxNZDhaZEtnc0h3TWR6ZHBmd2NSX0d0YVdaTk0zQWx4T3RFYjRkSngzWGFiWGlXVjhOZHdTaXJ2c3FxTEtmRmRObmZ1Q243TG8xeDdBM1E0UndiaTFjVkNVN1JraDV0bnFfVkg1ZndoUGo4QXNxLWlKMkpYeXpZZHg1U0VvR3hnZw?oc=5) · cutoday.info
- 2017-03-16 [Lahainaluna High School Foundation to award $189,000 in scholarships - lahainanews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxORWFIcHhiRzAzNHJXV1p1a2hQQmNVMjRQSmxLMlZnQThmdktiVXVhWlFHQlM5dkpnUTAxS1ZteFY0OTZqOG5LdE9GeUQ2eGlCT2YzSEl5ekxCaXdHR3VCV09hNEhCQlc5UTlYbC0tZnJ2Z3dpREIwamdjbUNKY20zRkVHdVBLa2lwNWNfQm5vS2hMYUtTQ2tLMWFTVU1XZlN0cDFJMmR5Wm1DQTJTemxsSVV1TmpZZFh6Qzl2OXVvamU?oc=5) · lahainanews.com
- 2012-07-19 [Lahainaluna High School Foundation distributes more than $111,000 in scholarships and awards - lahainanews.com](https://news.google.com/rss/articles/CBMi4AFBVV95cUxOQ2h6N2FqdjF0VE0zTWE1RGVoRHZOc215SzRNYTFYcFZndXFXM2RJZ1JyalQzaFkwZE9keVJ2SlJ5Tld6aVZkN0pnN1cxRTJCMDloWXE1akxYdFBTYXhJWl9hNmdUcklLd2NiaklQQ09MckhxVzFRSG44UHFPWXBGMzRRTHlMdFl2QWdVZWstRnNxaUFyc2d1MlU5Vno5UXVwa2FMS0tDS05qZlhtU1FGYXJuc2piOXA5VHVlaUxnMHJENy1WMzdLR2dBN2VDZy1NQkw5ZTRvYkFVd1BMQ09QSw?oc=5) · lahainanews.com
- 2025-05-12 [Lahainaluna High School Foundation awards more than $217,000 in scholarships for 2025 - Maui Now](https://news.google.com/rss/articles/CBMitgFBVV95cUxPLWlqbjdacldldXktMHZEYUJaY1pJWC1UUzVoTEg1cU5NRjZhaWNpZG83MGVjR0ZTMGNaNkFKNVMxeXA0QzRuRTlVbnVXeDVBRDVyRDI1VVJLVnhKTXhnb3BpMlNwRm9PUUxjdlpnQXdsZV9BX3lta0puY2JlbHY5cXdxX2k1LXlweFg0R0dFVDNHajU5OHlGYVc2U0xWYXFBaXYtUGtBdHNlX0h3ZnFqbXhzaDBaUQ?oc=5) · Maui Now
- 2011-07-21 [Lahainaluna Foundation distributes more than $83,000 in scholarships - lahainanews.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxNaDF0b2NfcUJTbnNmaVFHengtX0NQaV90VTVWWXZ6NFMzYjdUdHJ3X1haQXRUekVDSEMwbEhab0d4dzUzbktzMDJodDVmMDc5RkhPMlFRREJsUzlMbVM5aVd0eVlpU2VFMjk5WEQ3M0JwejhOemlEUTNCLUhXc1lHMHlJUU5NQ2VKS05kVHBCQnlWd203ajV6Qms0c3dsMC1zTkc3bWZXYXhoazJ6WWFzaHFZOHNUQWVzMkd2R29peks?oc=5) · lahainanews.com
- 2011-03-24 [Senior project brings new mat to Luna Wrestling Room - lahainanews.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxQb1I3WkxkbE5ZRGJXclg3dFVSTFByTkw3Y3NRdVhOalFJTHlxWU5rbTJ0Y1NzRVktUlF6eWVydkdzMjdxMnhFRDV3ZFRzZGRrSTFJRXlXc3E5VXlfM2kyVFFZdkRIaEU4b1JGTkhyLWxRUGlYZ2FIX3Z2NTZLU3BLb3ozNTU2WXhTQ2x4R0ZNOVVrYWJyaDdhUzk5dUkzUTQyODFPc2pCNlB0cmJtbmwzbXdR?oc=5) · lahainanews.com
- 2017-05-25 [Lahainaluna High School Foundation awards $184,625 in scholarships - lahainanews.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxQR1ZTdXZCeTZLUkxQd1NKQTZwd3ZfVWJJZm5LcUFObzZSMlNaSHM1LU56VjllZGtpQ2g0Z3BDZDUtckJrZ1JiSHVKWmtWdWdkU1BPM2VJeV9TWkt4eFRkMEF1WThwWk1nRnl6LTNsa2J3U3g2SnVYVWpHOEd4YnIzQWY3N1ZIcHp3eUN4Q3RfQ19qNzN2UDk0WFVCdE5GZzgyeFdQV2NkTEktQVpybjBOQTNUaDFNN2tQY0dVeFZ3?oc=5) · lahainanews.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2563 (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/3.json (key "2563", 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=2563
- 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