# LANAI
Lanai City, HI · NCUA charter 2953 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/lanai-2953

Who the members are: federal charter, community charter, organized 1938, low-income designated, minority depository institution. 2,062 members of 3,102 potential (66.5% of the field); checking penetration 16% (share draft accounts per 100 members); loans per 100 members 21.

**Verdict on the desk:** this could be *auto monoline*. 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 | $37.7M |
| Members | 2,062 (3.7% YoY) |
| Full-time staff | 4 |
| Net worth | $4.4M |
| Net worth ratio | 11.7% (p28 of band) |
| ROA (annualized) | 1.23% (p78 of band) |
| Total delinquency | 0.71% (p52 of band) |
| Net charge-offs (annualized) | 0.02% (p52 of band) |
| Loans / shares | 16% (p4 of band) |
| Cash / assets | 84.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.12% (p22 of band) |
| Operating expense / assets | 1.91% (p10 of band) |
| Vehicles % of loans | 69% (p63 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 24% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $14,073 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 21% |
| Loans granted per 100 members, annualized | 8% |
| Average loan balance | $12,123 |
| Loans granted, annualized | $2.6M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 1 | net worth falling |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 | delinquency rising | net worth falling |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 1 | net worth falling |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | net worth falling |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | net worth falling |  |
| 2019-09 | 0 |  | net worth falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | net worth falling |  |
| 2020-06 | 2 | delinquency rising |  |
| 2020-09 | 1 |  | delinquency rising |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | delinquency 2x band |  |
| 2021-09 | 1 |  | delinquency 2x band |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 0 |  | net worth falling |
| 2022-09 | 1 | delinquency rising |  |
| 2022-12 | 2 | delinquency 2x band |  |
| 2023-03 | 2 | auto monoline | delinquency 2x band |
| 2023-06 | 3 | assets shrinking |  |
| 2023-09 | 4 | delinquency 2x band |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 1 |  | delinquency rising, assets shrinking, delinquency 2x band |
| 2024-09 | 2 | net worth falling |  |
| 2024-12 | 1 |  | net worth falling |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 2 | delinquency rising |  |

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

- 2023-03-28 [Maui Clerk Rejects Petition Over Riki Hokama’s Residency - Honolulu Civil Beat](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNOEhzb3ZCVWVZbkc1ano5QmtUZldsZFJOeUZpVVVTYUttM3dpcTc0OTNhOFVLVy0yZUp5aUNkWnBuWDk4LWJ6NDZBVFBfMzFQLWxkYkJ3RllKSmJ5dWIzbHlMRXJRRW5ZYzNMcVlzOWFQTV9OUUFaRGFYOE1qNWViMmZsQk5qQU1HU2tn?oc=5) · Honolulu Civil Beat
- 2024-06-26 [MEO Lāna‘i Shopping Shuttle to make stop at FHB Kahului Branch - Maui Now](https://news.google.com/rss/articles/CBMimAFBVV95cUxPOVlycjBjZDNaNDhKR21PTjBSM25ZczM3WWlJQnQ0TDhqci1hMEFOQ3FtaHdtcjZQbHkwTUFWRDBtdnhzdmZfVDczeU9xanB0X0I4S3dzTkl1MThZNXlNSjQxVkd2UExrcy04QTRHdi1TLS01ZDVYUXRvRGJjY05yNDVDVXh1OUxTVEVsZF82V1htMEwxU2JCTA?oc=5) · Maui Now
- 2024-03-13 [‘We’re being left behind’: Lanai’s only First Hawaiian Bank to close after a century on the island - hawaiinewsnow.com](https://news.google.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?oc=5) · hawaiinewsnow.com
- 2023-10-28 [Hilda E. and Stephen T. Nakai Obituary - Harris Funeral Home | Johnstown, PA](https://news.google.com/rss/articles/CBMifkFVX3lxTE5WcXlRZkJnNVZXZEpqMW42NDM1RGZGLUxpeWJSZTVtdGdTVWZsMjlyWkRLa1Z0ckJOYllhaW5pZF9qVkg3QS1ET09HN3pzM3otN2FEcElyMGlnekcyNG82Wk9HZm00Q0hFRXItVHNDU0VrWHBudEhaOFNfSTFTZw?oc=5) · Harris Funeral Home | Johnstown, PA
- 2024-07-10 [First Hawaiian Bank donates branch building, land to Maui County - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxNTEdqWmN5c2o2dnlqVDNycGxFN3JzNUVRLVhlbk5JMG1TUFE5X0NEUHMybHVNUTlOSU9FWXJZQXZ4M3B1NmtWRVhHQlE1NnpjaExWQWx5ZFloVmhtT1g3Q2lpc1IyMnZxU3RPb21IaWk5d0J4c0VYcXhaM1o3dGdUYWJ2TUNhek43VnBWa0tTMnJCazlwNDNlYmVyN0VKQQ?oc=5) · The Business Journals
- 2026-03-30 [Hawaiʻi’s Top Employers Profiles 2026 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMifkFVX3lxTE1GTUVWUUZIRzBOWjBNdFpQWmlpS1JUUjFFQWI5RXdpSEhNZGdfX3R4V2RKUHp1VHBIRlc1ZTEwRjZsN3c4T1hYcVRPZFhiY2Z2NkhrVHZfZ3JYLXl1NmFTYThyWkNuT2dieGcxLWRlRE1XYnNiMDZIeE9WMmJCdw?oc=5) · Hawaii Business Magazine
- 2014-09-23 [Larry Ellison Bought an Island in Hawaii. Now What? (Published 2014) - The New York Times](https://news.google.com/rss/articles/CBMiggFBVV95cUxPZ05RT1N1RHBVSDA5cWdCUURuVzJpdkdLbXJFOENrZmlyVlhURG5RMlpBaWxiNUoyaG1HWHFrNlFRMnd5bmpPc0JrRFlsX0lwRnpqSU5rQnZfZFRVLTk3NE1ObllXLXduakRfYUJ3WHRlN1VGUnhOVzJ3emFja1p4TDV3?oc=5) · The New York Times
- 2014-09-20 [Chilling on Hawaii’s ‘Quiet Isles’ - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMihwFBVV95cUxQRWJMaVRJQ1VWTVdDejFmQzdzNmtyck5SaFNKQzhCOGFueXVnNHpGS01OQ01iVTdmVlFaZVdaRHZGdl92OHBBNW54Z0ZhVWZsZk9xUzQtNXZhd3dyTkxkZjBaWE9tVjBnbi1ERGx5MHJHM1RSSE5mUFRuSEhjZUMxMGVNRDdFUG8?oc=5) · San Diego Union-Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2953 (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/9.json (key "2953", 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=2953
- 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.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide