# MCBRYDE
Eleele, HI · NCUA charter 2713 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/mcbryde-2713

Who the members are: federal charter, community charter, organized 1938, minority depository institution. 3,168 members of 6,000 potential (52.8% of the field); checking penetration 17% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.3M |
| Members | 3,168 (-1.1% YoY) |
| Full-time staff | 5 |
| Net worth | $27.3M |
| Net worth ratio | 26.7% (p99 of band) |
| ROA (annualized) | 1.19% (p77 of band) |
| Total delinquency | 3.71% (p99 of band) |
| Net charge-offs (annualized) | 0.67% (p78 of band) |
| Loans / shares | 20% (p1 of band) |
| Cash / assets | 6.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.31% (p3 of band) |
| Operating expense / assets | 1.10% (p1 of band) |
| Vehicles % of loans | 12% (p10 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 3.83% (p98 of band) |
| Vehicle NCO | 1.95% (p90 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 11% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 22% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $21,249 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $11,557 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **loan book shrinking** (`shrink_loans`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 3 | net worth falling |  |
| 2016-12 | 2 |  | net worth falling |
| 2017-03 | 3 | delinquency rising |  |
| 2017-06 | 4 | loan book shrinking |  |
| 2017-09 | 4 |  |  |
| 2017-12 | 4 | net worth falling | delinquency rising |
| 2018-03 | 4 |  |  |
| 2018-06 | 2 |  | loan book shrinking, net worth falling |
| 2018-09 | 2 |  |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 | net worth falling | charge-offs p90 |
| 2019-06 | 4 | delinquency rising, charge-offs p90, loan book shrinking | net worth falling |
| 2019-09 | 1 |  | delinquency rising, charge-offs p90, loan book shrinking |
| 2019-12 | 2 | net worth falling |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 3 | loan book shrinking |  |
| 2020-12 | 3 |  |  |
| 2021-03 | 5 | margin squeeze, charge-offs p90 |  |
| 2021-06 | 5 |  |  |
| 2021-09 | 3 |  | net worth falling, charge-offs p90 |
| 2021-12 | 2 |  | margin squeeze |
| 2022-03 | 1 |  | loan book shrinking |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 2 | assets shrinking | charge-offs p90 |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | assets shrinking |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 3 | delinquency rising, loan book shrinking |  |
| 2025-09 | 2 |  | delinquency rising |
| 2025-12 | 3 | net worth falling |  |
| 2026-03 | 2 |  | net worth falling |

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

- 2019-10-15 [Kauai: Island’s Biggest Credit Union Grows Bigger In Effort To Remain Independent - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMirwFBVV95cUxPLWdlNVQwZkp5OUJBZGlFamdzdksta01JSlFaYzNJTlh6djBsejItUmoyUVNtcEtxN2ZrclkzSlFmN1RnRURyZjVDWVp0S2xLY3ZIc0xmRE0tTlY0a3ZwX2YzSC1wa1hpdTVhVWhGd1MtNnA3N3hVR1c2eE5tem0tdW9GeHBJN2t3bEU2THVOSWlLd3JFQXl0MU9GWGd1ZjlHVld6ck0tcHpQSjdvbGlR?oc=5) · Honolulu Civil Beat
- 2025-06-26 [Ashley McBryde Takes Listeners To Church With New Single “Rattlesnake Preacher” - Whiskey Riff](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNTHpJbGF4SG1SRmhndE9jZ2FEUGtNTnNTTFByeUlCeHV4MFpzdDhlSXBVR1VmWVRfem1xZjU2NVFrR25iZ2dlOU9hQkRXMFJDcm5IeDAyTzhiM3ZnNDdoUlNWMlRLRXRtT0VaUlN2eENvdmF2ZjdpOTJYakVHQTRwQ19WcVNZb2s4WFk1TTdfdVN1LXVFVjJTWmlUZlUxQ1lqZ3VpNnZCLWJMVGlYYzktT2NRbXc1WU0w?oc=5) · Whiskey Riff
- 2025-04-07 [Little Big Town is bringing country heat to Tampa this summer - WFLA](https://news.google.com/rss/articles/CBMitgFBVV95cUxOU0hxdndIOGNWelBiUEN4MEg2dDNiMmVqTFdkMU8wVzZFVzVDajY0M2dObWZDbGdQamFlNTExc3FSUlFhTWI0cjlOVHU2TmVPc3ItcEJDWVBSU1hlQVc2VXB2VnEtT0hjaVMteUJfN0pBTVkydFVKblhnbjNwbjhmZ0JVXzV6SGZ5M1RneVRtaU5SN2pPemdRbWd4NlpTRXFrdGllRE81d1Jobzc3ZzBUOVdUMl9Rd9IBuwFBVV95cUxPNV92ZWd3SWl2Y096c1RKZHlOQldNVnQwbDVadVpvdV9UZ0pMdW5hSVlRcDdzZVFTeDBJNzVHdDZHRXdaUFNPTEZ0OVliMlByV3dHSzljVkw4MXhBRkdjTXRCQnVBNFhMUnNWcHFXWmFLdlFKaHlNbXVpMGxMajZjWU44MmtPMHBncC1EZW5tZU1oYTZpc2cxNUN6bEI5ZVBjd0pIVTRvbEpVZzZ0YXlQZmFObFNSNUJ6Q29n?oc=5) · WFLA
- 2024-09-02 [National Peanut Festival: Entertainment Lineup - WTVY](https://news.google.com/rss/articles/CBMihAFBVV95cUxONzhXMHFMa2FkbmgteG1BYS1VdFh5LXNLcEYzM0pSQXZnYjREbVhhMXIwV2szOHNKN2lnWW93NFlMbUlxYk9JR1lzUUVDQ1ZBdldXdnVoR1FTTWtxM2pZNkNnZjBOQ3VOZ0ZCOVBsc3NEeHc4QldZYlpTd0NRZFVRMnJDQXHSAZgBQVVfeXFMUGRzVEtHQjlqRzVpbzNheXVINmZrZ2xtcjIyRzh4RF93bmtNeTFqaEVQYWtqaWtWV09DNjYxNVRxMFdKdGxTWXJZQ3RjblpmX2ExZ2NhdXZ6M25yTFBkQmZfQkc4NURra1pxdUFhM3k2a1JiQzdhV0ZPVFkyNGVFT09HT3NyVFlWaWN1NnMzOEtZRWp0U3hfNU8?oc=5) · WTVY
- 2024-08-12 [Kauai business leader expands role with real estate investment firm - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxOYldfZWU2WDltU2ppTndNQUNZUUVNOWxmbndFX2Jjem8xTHg3V0RBdDdKTE0ydTF5V3pUN2hEaklVM1JrZEpIeWp0TGxHc2c1UnY4Z0ZZN1ZNTWlPemt1NmhVRVRGNXVPU19yaHVDWm5ZSmg2WWlvY3RVLU13dlJvMy1FVmFSejROaGdCWUxTMGc4cWFIMkQzLXlMMWNyeEVFb0Rj?oc=5) · The Business Journals
- 2023-02-20 [Jelly Roll Announces Headlining ‘Backroad Baptism Tour’ Featuring Ashley McBryde, Chase Rice & More - Whiskey Riff](https://news.google.com/rss/articles/CBMizwFBVV95cUxQU2d0Z3lfZTl5MUcxU2Z6cnpzVlFkcUpWOXZCRG81X1Z1RnlQLVBRYWwwRjdyTElBRXYtSUJvb2NkTU9qRDBXRGY0aUFUZG1NNmIwMVdQc0VISFA1WkxxcllrU2pabEx6dHJvZlFZUHpBSDh1NE9Lb2J6WFZORXRVVUl4cU41TVNTMENRcWJYcW1qNW9PRnVNdW5pWDVCOHA2SjZ3cFAzcDY2WlUwTkg5NnRiNUtsMWNGTU5WZkM4b0V0ci1WUzE3aUR2UjFpWkk?oc=5) · Whiskey Riff
- 2023-06-16 [Dierks Bentley Adds Two Red Rocks Shows To ‘Gravel & Gold’ Tour Featuring Ashley McBryde, Tanner Usrey, Kaitlin Butts & More - Whiskey Riff](https://news.google.com/rss/articles/CBMi7AFBVV95cUxQTjhtbWNMb2ZpdUFITk1fRDJEeWdpdF9QWHJmeDhDMmZuUDR1MVFRMlliWGZjMUMtM3FKNFJIT0t0T1Y1V2NGaFd4WWE1aFpqbHg3LWU1MUVXajRhUHdyZzd5Z0g0aE1zZXhXVTFPeHd4ZGkyRXRrLVJOdVNCcEl0VEg5cFNNMmc0b2lyWmRsaHd6U29Gamp5T2U0bTQ5dEJGWU1pU0VTSzFRUW9LN2ZUdHNZdjg3ZGtzTWFORzBacVNpYS1YOGxJQkZyc3dBR2d0MlRtSlpHNWpkc2pDaDZ1aVNvLXFBMGpRczBEcA?oc=5) · Whiskey Riff

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2713 (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/25.json (key "2713", 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=2713
- 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