# KAUAI
Lihue, HI · NCUA charter 5487 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/kauai-5487

Who the members are: federal charter, multiple common bond, organized 1947, low-income designated, minority depository institution. 7,756 members of 73,400 potential (10.6% of the field); checking penetration 50% (share draft accounts per 100 members); loans per 100 members 71.

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

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $197.7M |
| Members | 7,756 (0.5% YoY) |
| Full-time staff | 36 |
| Net worth | $16.5M |
| Net worth ratio | 8.3% (p7 of band) |
| ROA (annualized) | 0.46% (p34 of band) |
| Total delinquency | 3.12% (p98 of band) |
| Net charge-offs (annualized) | 0.24% (p38 of band) |
| Loans / shares | 107% (p99 of band) |
| Cash / assets | 6.8% |
| Borrowings / assets | 19.22% |
| Net interest margin | 3.73% (p54 of band) |
| Operating expense / assets | 3.62% (p48 of band) |
| Vehicles % of loans | 3% (p2 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 248% (p90 of band) |
| Vehicle delinquency | 1.95% (p90 of band) |
| Vehicle NCO | 1.25% (p80 of band) |
| Repossessed % of vehicle book | 1.46% (p99 of band) |
| Real estate % of loans | 56% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 25% |
| Commercial % of net worth | 95% |
| Core shares % of member funds | 43% |
| Certificates % of member funds | 37% |
| Average share balance | $9,690 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $24.3M |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $28,274 |
| Loans granted, annualized | $24.3M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $24.3M outstanding purchased (147.3% of net worth), $2.7M sold and retained. Sold in 2 and bought in 1 of the last 8 quarters. Shares 2.0% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **loans>95% of shares** (`str_ltos`)
- **leaning on borrowings** (`str_borrowings`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 4 | thin capital, delinquency 2x band, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  | delinquency 2x band |
| 2016-09 | 3 |  |  |
| 2016-12 | 4 | delinquency 2x band |  |
| 2017-03 | 3 |  | thin capital |
| 2017-06 | 1 |  | repo signal, delinquency 2x band |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 1 |  | delinquency 2x band |
| 2018-03 | 2 | repo signal |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 2 | assets shrinking | repo signal |
| 2018-12 | 4 | delinquency 2x band, delinquency rising |  |
| 2019-03 | 6 | net worth falling, charge-offs p90, repo signal | assets shrinking |
| 2019-06 | 6 |  |  |
| 2019-09 | 6 | members leaving | net worth falling |
| 2019-12 | 4 |  | 3rd-party paper>100% NW, delinquency rising |
| 2020-03 | 8 | net worth falling, losing money, margin squeeze, delinquency rising, 3rd-party paper>100% NW | charge-offs p90 |
| 2020-06 | 5 |  | repo signal, delinquency rising, 3rd-party paper>100% NW |
| 2020-09 | 5 | repo signal, 3rd-party paper>100% NW | members leaving, net worth falling |
| 2020-12 | 2 |  | losing money, margin squeeze, repo signal |
| 2021-03 | 2 | repo signal | 3rd-party paper>100% NW |
| 2021-06 | 4 | expense trap, assets shrinking |  |
| 2021-09 | 3 | charge-offs p90 | repo signal, assets shrinking |
| 2021-12 | 3 |  |  |
| 2022-03 | 2 |  | charge-offs p90 |
| 2022-06 | 3 | margin squeeze |  |
| 2022-09 | 2 |  | margin squeeze |
| 2022-12 | 3 | margin squeeze, leaning on borrowings | delinquency 2x band |
| 2023-03 | 3 | losing money | margin squeeze |
| 2023-06 | 4 | 3rd-party paper>100% NW |  |
| 2023-09 | 5 | net worth falling, repo signal | 3rd-party paper>100% NW |
| 2023-12 | 6 | loans>95% of shares, 3rd-party paper>100% NW | expense trap |
| 2024-03 | 6 |  |  |
| 2024-06 | 6 |  |  |
| 2024-09 | 5 |  | loans>95% of shares |
| 2024-12 | 7 | thin capital, loans>95% of shares |  |
| 2025-03 | 6 | delinquency rising | losing money, repo signal |
| 2025-06 | 6 | repo signal | net worth falling |
| 2025-09 | 6 |  |  |
| 2025-12 | 6 |  |  |
| 2026-03 | 7 | delinquency 2x band |  |

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

- 2026-06-16 [Kauai Federal Credit Union helps 5 students - The Garden Island](https://news.google.com/rss/articles/CBMinwFBVV95cUxOb3Y1Y2sza2NJcWpiaWhDZ1BWd0hSSlJ0dEtPaUp6OHVTb09wZkUtdE1xMVFjY3hIeW5DRWxDRFpiWWhTckZab1BVRGRnUHFmaE1CTmVZeHR3RGhZcFRoRlpreFdJaEQtaXN6SVYzNlRhTnlJNUhLWUtqN0NCMTlJSzBxT3JwREZQaG0zVkZQM1k5RXhOMHkyZUVrUkRKSDA?oc=5) · The Garden Island
- 2025-12-18 [Hawai‘i State Federal Credit Union now accepting 2026-27 scholarship applications - Kauai Now](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNSkkwa2h1QXRxZUhyX2dDckdOWG1kRFpWdFBGTDRTWW5ZM25NLUhKZUdJczFaSnd1T01tTkozSTdGRnpRMnlhckotVjdScWtJYU0xaWlqRjAwb18wY1ZiTW5qQnE3cWxLaFBzMnN6cWExVkR5bDJWUWdMQ0pqXzhkWS1YeUFKZ1BnY0RtVlEtTWY5QVVGQkl4dWJhRjB5cTVicjBrUURNak5XYVVFYmRWQVVaLTBUcGtw?oc=5) · Kauai Now
- 2022-05-05 [Hawaii Credit Union League Board of Directors announced - CUInsight](https://news.google.com/rss/articles/CBMinAFBVV95cUxNTXFpN213MGhOUmttSUdtOFE0X01pd3hUZ1VpTWRTRDk4b1F4czFicXYzR2pLMjZuQUFlWWtpVXJaR2ZKYXBCNHBySy0zZkFKN3YxcElMdGVmX0hYcG80ZEFja1R5RWY0MHF6M3BDTTlMNFlqZGhUamFmd1NlRG1xVDRXUVE2TnBUeHJnRFZxMWVUSDc5d2FDOFZTaGI?oc=5) · CUInsight
- 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
- 2026-04-24 [HawaiiUSA brings flood relief to Kauai - The Garden Island](https://news.google.com/rss/articles/CBMimgFBVV95cUxQa1lLaU1DTjYtYVhBaHl1bmxkLXdiUEIzMm5LLW4xZHZXV2lHcTNTTUJSa2xWaHhXNV9YOGRiZVRPRHpMTEpSUkZ6LWFkNTE3dGtSeTBCeHlxMkdOWVVnRTRHdHBIYy1QN2MtckVmOWRWQzNwSllsR0lycy1McHZVU1ZFcjktZlQ3Qjd2UzBxQjdNaHBjSzB1X3NR?oc=5) · The Garden Island
- 2025-10-23 [Kauai woman pleads guilty to defrauding pandemic rental assistance program - Hawaii News Now](https://news.google.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?oc=5) · Hawaii News Now
- 2024-10-03 [Kauai FCU to reopen economic resilience center - Pacific Business News - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxPOUlYQ2MwdkVBTy1wdFVONC1VbzdFQjVaLTFWV0hNeFRoQnhuTUxTY2N5RVJqOXdycUlBX25DWWdpWVdXbHBSWnJWeDI5Qy1nSzlUcWdGbzgwN0dub21WWU4wNXc5ZlB2Z2xRUkxhTlI3VnFOc3BaRFpMTXdwa2R0WXQwcTN3TzZkaFhFWFZTdEI3SldvdGdrdlRFUm93VmdFdnRGNGlUYw?oc=5) · The Business Journals
- 2026-09-09 [POSTPONED - Kauai! SAG-AFTRA Hawaii: Curious About Union Membership? Join Us for Coffee! - SAG-AFTRA](https://news.google.com/rss/articles/CBMipgFBVV95cUxQbDlMSk9ldlRsUV9nVWpaTzNuX0NfZHROOWVOSmcyUUtVcnZraVFIbzVTNERlYWZJVEhkUjhrcHBDdnU3RlFJSzJMWEh0ZlRzMUk0Y2M3MEFoU1RnaE9Hb1prVHFTeGMyV2VEb3puU1BMZFVWUnlVdDhRZlFjMzlZeHB0cTkycXk3TUI3aS1CR2Q3aEJvMG1PX092Q0hYU3JSSGlESmVR?oc=5) · SAG-AFTRA

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5487 (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/47.json (key "5487", 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=5487
- 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