# HAWAII PACIFIC
Honolulu, HI · NCUA charter 4676 · asset band <$50M · latest filing 2019-09 · stopped filing after 2019-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaii-pacific-4676

Who the members are: federal charter, multiple common bond, organized 1941, low-income designated. 4,664 members of 15,000 potential (31.1% of the field); checking penetration 47% (share draft accounts per 100 members); loans per 100 members 15.

**Verdict on the desk:** this could be *stressed*. Composite score 8 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $47.5M |
| Members | 4,664 (-15.4% YoY) |
| Full-time staff | 12 |
| Net worth | $-464,525 |
| Net worth ratio | -1.0% (p0 of band) |
| ROA (annualized) | -13.29% (p0 of band) |
| Total delinquency | 1.72% (p73 of band) |
| Net charge-offs (annualized) | 0.51% (p69 of band) |
| Loans / shares | 80% (p74 of band) |
| Cash / assets | 4.7% |
| Borrowings / assets | 16.89% |
| Net interest margin | 3.08% (p33 of band) |
| Operating expense / assets | 17.15% (p100 of band) |
| Vehicles % of loans | 8% (p7 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 72% |
| Third-party paper % of net worth | – |
| Vehicle delinquency | 1.82% (p79 of band) |
| Vehicle NCO | 3.69% (p98 of band) |
| Repossessed % of vehicle book | 0.35% (p96 of band) |
| Real estate % of loans | 82% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | – |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 19% |
| Average share balance | $5,350 |
| Participations bought / yr | $456,508 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 15% |
| Loans granted per 100 members, annualized | 4% |
| Average loan balance | $40,091 |
| Loans granted, annualized | $3.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **members leaving** (`shrink_members`)
- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | leaning on borrowings |  |
| 2016-06 | 2 | 3rd-party paper>100% NW |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | net worth falling |  |
| 2017-03 | 6 | losing money, delinquency 2x band, delinquency rising |  |
| 2017-06 | 7 | thin capital |  |
| 2017-09 | 4 | charge-offs p90 | 3rd-party paper>100% NW, net worth falling, delinquency 2x band, delinquency rising |
| 2017-12 | 4 | members leaving | charge-offs p90 |
| 2018-03 | 3 |  | losing money |
| 2018-06 | 6 | losing money, repo signal, assets shrinking |  |
| 2018-09 | 4 | delinquency rising | thin capital, losing money, repo signal |
| 2018-12 | 6 | losing money, delinquency 2x band |  |
| 2019-03 | 5 | repo signal | delinquency rising, delinquency 2x band |
| 2019-06 | 4 |  | repo signal |
| 2019-09 | 8 | thin capital, capital below 7%, expense trap, delinquency 2x band | assets shrinking |

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

- 2026-05-20 [Ramona’s Cavaness commits to play Division II soccer at Hawaii Pacific University - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQTmRkV1FvLUdDbjYxcEhXRG9KWHFrWGVmczIxRk5OWURfX25jUWlqSzIyeXR4V0RjVGNtV0YtTlo3TUxPMU85b0JrczQyRHVhNC1xUEhBbmZmbXhnclUtdFRUczRGbGt6eFgyYUJCZWhzdDR5SWlLTERyVnpzUHRva0kyeUhqaE8zb0NjWUR5QnlPUE8xelVjR2MtTzVjR3hYNkFHS3pTM0t4WnNiUzdCSlpwX3pVOXo2cGhtbi1BNUhHWWl2ZGR0bg?oc=5) · San Diego Union-Tribune
- 2019-10-07 [Hawaii Pacific FCU merges with Aloha Pacific FCU - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQSUdoMGJCWVZJU0kySUZtVV9idG1rUDNWQjcwYmxaM043VHM5NjJVNTFFdURtQW9qWmF2UGx0OG16U2FsSVFlNnl1cUlxdUdjM3M0QUdrYmYtN0F1X0hMSXRkSXNpSGlhenVBak04eXQwQ3lVZWNQRjlYemxPS3d3MlJnSXBGaExuNmdDVEh6eUs0S1ZvZWF2OU5nYmdsVkR2NDVaZm9GWWI?oc=5) · The Business Journals
- 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
- 2021-08-10 [Hawaiʻi’s Top 250 Company Profiles 2021 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMieEFVX3lxTFAxV0VvT0dDUWVvYUpVSExLWWFjb2RNVWRZeWxuUHYxVk11bjBOcWx3QmdxamdERTFLbkhvNjdQOVdWRV83TmNLb2FnRWMyUmdiSHpEOVZicEJUZTZmcUN0SGQtOUJoQ3RzX0tXTy0wZlRySXdsQTJHMw?oc=5) · Hawaii Business Magazine
- 2019-07-05 [Mergers play a key part in helping local credit unions in financial strife - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxOcHJNYTNaYTUwb2ZJSjdQSFlJcEtsbjdWUEYxekt2bXFhbGZIdjZTejg5emtTWkNhV1d6cHpBZEExX0tab3p5MDhoams5cGYzakVScFhUVE9aT3lJeFlJY1ozZFNQdnVBdUpNUmZ1c0xpTnFNZG5wYU41QW9ZRGhaMW53Y2swWEQwdU83RkVMX3FxWmhGeVFWUFFZUUh4U0MxbkxTNg?oc=5) · The Business Journals
- 2024-05-04 [Oregon QB Dillon Gabriel gives back to community with ‘I’m Inspired’ event - Hawaii Sports Radio Network](https://news.google.com/rss/articles/CBMiswFBVV95cUxQREVUb25DODlTdVo0elQtZTQzdHllaGYwSVVqVkRyNE1KaVZIOENCTnJMNTFfUU9HZVB4azZ6QXluTjkwdUFSdDE5MU9LQlgwOXoybjhiNUdya3pObG9KYXpjYnBfQVVrSTBhbmhTUFh5MWk3T2k0Z3RYRTAyeWl1MWlESUtSMU96R2J1NjR0Y2tsYXN4QzV5SXJHaUV1OEtRR2Jnd0FJREhMekNaTUxmLXloWQ?oc=5) · Hawaii Sports Radio Network
- 2020-01-07 [West Oʻahu Magazine 2020 - Page 2 of 4 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXEFVX3lxTE5WWTVwRWJmdkVLbEFkcVZtcW9GNDdlNGFrb3FkZUdlUWstMUNORFVfS01uY1gtZ2FlcGFVZjBnbHNlNGwtRGhzMTY1U0tlX01VTU1PVm5DTU1uVVhI?oc=5) · Hawaii Business Magazine
- 2017-12-08 [2017 Black Book: 326 Profiles of Hawaiʻi Executives - Page 5 of 13 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiXkFVX3lxTFBhV3ZNVldfaVN4Y3JSVUVzMlZ0cDVZUThIX3RuTE1mVjVnNU42NldtWEIyS1hGR2tNRXVqdTNLdVlkWm1fNmpubzBSdUlYWVZRNnhUSE5peHJ3UWtrRWc?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4676 (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/4.json (key "4676", 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=4676
- 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