# VALLEY ISLE COMMUNITY
Kahului, HI · NCUA charter 3574 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/valley-isle-community-3574

Who the members are: federal charter, community charter, organized 1940, low-income designated, minority depository institution. 12,868 members of 160,592 potential (8.0% of the field); checking penetration 51% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $173.1M |
| Members | 12,868 (-1.0% YoY) |
| Full-time staff | 23 |
| Net worth | $15.7M |
| Net worth ratio | 9.1% (p15 of band) |
| ROA (annualized) | 0.47% (p35 of band) |
| Total delinquency | 0.39% (p31 of band) |
| Net charge-offs (annualized) | 0.34% (p52 of band) |
| Loans / shares | 38% (p6 of band) |
| Cash / assets | 22.6% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.18% (p22 of band) |
| Operating expense / assets | 3.24% (p35 of band) |
| Vehicles % of loans | 22% (p24 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 64% |
| Third-party paper % of net worth | 61% (p59 of band) |
| Vehicle delinquency | 0.46% (p43 of band) |
| Vehicle NCO | 0.30% (p36 of band) |
| Repossessed % of vehicle book | 0.05% (p73 of band) |
| Real estate % of loans | 54% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 21% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 66% |
| Certificates % of member funds | 34% |
| Average share balance | $7,129 |
| Participations bought / yr | $0 |
| Participations sold / yr | $200,000 |
| Participations outstanding | $1.9M |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $9,443 |
| Loans granted, annualized | $34.3M |

## Participation posture (from the same filings)

Bought $0 and sold $200,000 in the latest annualized quarter; $1.9M outstanding purchased (11.8% of net worth), $6.4M sold and retained. Sold in 7 and bought in 1 of the last 8 quarters. Shares 6.7% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## 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 | 2 | charge-offs p90 | net worth falling |
| 2017-09 | 1 |  | delinquency rising |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | charge-offs p90 |
| 2018-09 | 0 |  |  |
| 2018-12 | 1 | charge-offs p90 |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 0 |  | charge-offs p90 |
| 2019-09 | 1 | charge-offs p90 |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | losing money, margin squeeze | charge-offs p90 |
| 2020-06 | 4 | net worth falling, repo signal |  |
| 2020-09 | 4 | members leaving | net worth falling |
| 2020-12 | 2 |  | repo signal, members leaving |
| 2021-03 | 3 | thin capital, net worth falling, members leaving | losing money, margin squeeze |
| 2021-06 | 2 | loan book shrinking | thin capital, net worth falling |
| 2021-09 | 0 |  | members leaving, loan book shrinking |
| 2021-12 | 0 |  |  |
| 2022-03 | 2 | thin capital, net worth falling |  |
| 2022-06 | 2 | charge-offs p90, repo signal | thin capital, net worth falling |
| 2022-09 | 0 |  | charge-offs p90, repo signal |
| 2022-12 | 1 | assets shrinking |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 0 |  | assets shrinking |
| 2023-09 | 1 | delinquency rising |  |
| 2023-12 | 2 | net worth falling |  |
| 2024-03 | 1 |  | net worth falling |
| 2024-06 | 0 |  | delinquency rising |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 1 | delinquency rising |  |
| 2025-09 | 2 | net worth falling |  |
| 2025-12 | 2 | thin capital | delinquency rising |
| 2026-03 | 1 | delinquency rising | net worth falling, thin capital |

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

- 2024-04-04 [Valley Isle Community Federal Credit Union Partners with University of Hawaiʻi Baseball Standout Ben Zeigler-Namoa - Maui Now](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQTkF5OEhnd21RcjJ1YW16UEFCR1FPbE8tVlJkbmlvaXpqOUZCcmdjbWg2SW9GNjMyM0lOODJiMVJZRXB6Tk5jWVVOajY3Xy0yWFk0aEF5Y3pKZ3B6Rmp0QUpFb1J6VVZWZ0x1ZVFiWnBXeHpnYUJjOUtzUEhFMHJWNXpIM3psN1VnR09mZ0hGTVpaR2lSb3lRSlFaR29ib3VFWGU4cWhwdjA1aHQzbmRTbWNZaV96ZzY4MTlfcTFMR2dKQ3NqdHVxS1hDT28yTEFXVmdmb1V1MGJYVjNZVnh3OXZVdG9EZw?oc=5) · Maui Now
- 2022-05-05 [Hawaii Credit Union League Board of Directors announced - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTXFpN213MGhOUmttSUdtOFE0X01pd3hUZ1VpTWRTRDk4b1F4czFicXYzR2pLMjZuQUFlWWtpVXJaR2ZKYXBCNHBySy0zZkFKN3YxcElMdGVmX0hYcG80ZEFja1R5RWY0MHF6M3BDTTlMNFlqZGhUamFmd1NlRG1xVDRXUVE2TnBUeHJnRFZxMWVUSDc5d2FDOFZTaGI?oc=5) · CUInsight
- 2023-08-11 [Business, community organizations give to Maui relief efforts - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxQTHctenhzb0lENW5tdS05S0ZrSjJsckFDMUJCa0lBQ3hkakdtMFgzdURzV0w3LUpiRkp5WkJHcTRVZ2ZhTU5pMGRnSldCUzlaTnkzcGJBRFc3eEdtNENDUjRxdWNQVFduUVhCUzhQelVhSGl5eF96elZncXpzMk1BYlBiQml5aHFVNG1meFNwd3Z3WnR6MlotM2FwVmZQelFkelVZUw?oc=5) · The Business Journals
- 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
- 2020-06-04 [Credit Unions of Maui Donate $7,500 to the Maui Food Bank - Maui Now](https://news.google.com/rss/articles/CBMikAFBVV95cUxPeV83YV9WQng5c2VMY3ZIZW9DZmpjLWk4dUNQTGsxMkFnb2l6YW9kem8zckIwSTNnQTc3VnV2S1dPSFFSZGp3cDIyZUlJOWhob3ZIYS1JYl9zSXdRRE56cGlTcUdzTkF3ZFV4dk5NOVNTVnVURVV2dDh4aGd2V3YxN2VobEtPbG5kZTZfT1VfX1o?oc=5) · Maui Now
- 2019-02-28 [Lahainaluna High School Foundation to administer 70 scholarships - lahainanews.com](https://news.google.com/rss/articles/CBMivAFBVV95cUxQRTdyQ3dlSUZrc1l4RFBTZlpoaHZtQ0dJbVBRTmdmY3BfTG1yWU90Q0F5TTEtUU1BX2otWkdvVER4WElGRlJSQ1ZEam9HLWpTazdQSUMySXRvVjAwcGxtYlREbHpoNXFLQVZRamNSeTdrZW1KMzI0M21uTVB1bm56U3IyOTBURlNqQVBndjRGX1BlSUVNU3R3MWdUNGw4VjRuS1FNd3loNDdBMVdkdWg0NG9xNVdraDRVWEhtaQ?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
- 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

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=3574 (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/54.json (key "3574", 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=3574
- 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