# KAUAI OHANA
Lihue, HI · NCUA charter 2577 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kauai-ohana-2577

Who the members are: federal charter, community charter, organized 1938, minority depository institution. 3,983 members of 73,810 potential (5.4% of the field); checking penetration 40% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $63.2M |
| Members | 3,983 (5.4% YoY) |
| Full-time staff | 7 |
| Net worth | $5.3M |
| Net worth ratio | 8.3% (p6 of band) |
| ROA (annualized) | 0.57% (p42 of band) |
| Total delinquency | 0.34% (p33 of band) |
| Net charge-offs (annualized) | -0.20% (p2 of band) |
| Loans / shares | 61% (p50 of band) |
| Cash / assets | 32.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.68% (p51 of band) |
| Operating expense / assets | 3.60% (p52 of band) |
| Vehicles % of loans | 30% (p30 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 128% (p89 of band) |
| Vehicle delinquency | 0.00% (p5 of band) |
| Vehicle NCO | 0.00% (p17 of band) |
| Repossessed % of vehicle book | 0.46% (p95 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 29% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 34% |
| Average share balance | $9,173 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.4M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $17,456 |
| Loans granted, annualized | $9.7M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.4M outstanding purchased (64.1% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 16.7% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **repo signal** (`aq_repo`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 0 |  | delinquency 2x band |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | members leaving |  |
| 2017-06 | 2 | thin capital |  |
| 2017-09 | 5 | net worth falling, delinquency 2x band, delinquency rising |  |
| 2017-12 | 5 |  |  |
| 2018-03 | 4 |  | members leaving |
| 2018-06 | 5 | losing money |  |
| 2018-09 | 3 |  | delinquency rising, losing money |
| 2018-12 | 4 | losing money |  |
| 2019-03 | 1 |  | net worth falling, delinquency 2x band, losing money |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | repo signal |  |
| 2019-12 | 2 | net worth falling | repo signal |
| 2020-03 | 2 | charge-offs p90 | net worth falling |
| 2020-06 | 2 | repo signal | charge-offs p90 |
| 2020-09 | 2 | 3rd-party paper>100% NW | repo signal |
| 2020-12 | 1 |  | 3rd-party paper>100% NW |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 2 | 3rd-party paper>100% NW | net worth falling, delinquency 2x band |
| 2021-09 | 1 |  | 3rd-party paper>100% NW |
| 2021-12 | 1 |  |  |
| 2022-03 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2022-06 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2022-09 | 2 | delinquency rising |  |
| 2022-12 | 2 | delinquency 2x band | thin capital |
| 2023-03 | 3 | charge-offs p90, repo signal | delinquency rising |
| 2023-06 | 2 |  | charge-offs p90 |
| 2023-09 | 3 | delinquency rising |  |
| 2023-12 | 2 | net worth falling | delinquency 2x band, delinquency rising |
| 2024-03 | 3 | thin capital, margin squeeze | repo signal |
| 2024-06 | 2 |  | net worth falling |
| 2024-09 | 1 |  | thin capital |
| 2024-12 | 1 |  |  |
| 2025-03 | 0 |  | margin squeeze |
| 2025-06 | 3 | thin capital, net worth falling, 3rd-party paper>100% NW |  |
| 2025-09 | 4 | repo signal |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |

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

- 2025-12-15 [Kaua‘i Christmas Parade Float Sparks Uproar Over ‘Demonic’ Theme - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMilwFBVV95cUxOajJUR3duREFsc2p4Ry12M0hIVll4RFY3WTA5dXNpd0dXNmRHRU80Z2IxOExJaUNyTkdtZWstN0ZYVW9NOEhoSTFPcGRjVzcxM003YUQ3RDFqdlMwdVNHa3JBdUNDYkhid1M1c1h6NkE1U1BqajZPNUQ5aGdNdGVrVVNSVGdHR2s3bEo1N2sydnhkV2x1X2dB?oc=5) · Honolulu Civil Beat

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2577 (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/17.json (key "2577", 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=2577
- 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