# HAWAIIAN AIRLINES
Honolulu, HI · NCUA charter 5927 · asset band <$50M · latest filing 2017-09 · stopped filing after 2017-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/hawaiian-airlines-5927

Who the members are: federal charter, service (single sponsor), organized 1948, low-income designated. 3,151 members of 15,500 potential (20.3% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 269.

**Verdict on the desk:** this could be *stressed*. Composite score 6 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $22.5M |
| Members | 3,151 (-3.3% YoY) |
| Full-time staff | 5 |
| Net worth | $1.5M |
| Net worth ratio | 6.9% (p3 of band) |
| ROA (annualized) | 0.00% (p27 of band) |
| Total delinquency | 0.62% (p41 of band) |
| Net charge-offs (annualized) | 0.37% (p60 of band) |
| Loans / shares | 35% (p17 of band) |
| Cash / assets | 13.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.02% (p12 of band) |
| Operating expense / assets | 2.39% (p23 of band) |
| Vehicles % of loans | 69% (p78 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.62% (p52 of band) |
| Vehicle NCO | 0.19% (p59 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 28% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 96% |
| Certificates % of member funds | 0% |
| Average share balance | $4,159 |
| Participations bought / yr | $2.6M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 269% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $856 |
| Loans granted, annualized | $2.1M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **capital below 7%** (`cap_critical`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 3 | losing money, auto monoline |  |
| 2016-09 | 4 | net worth falling |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 |  | losing money |
| 2017-06 | 5 | capital below 7% |  |
| 2017-09 | 6 | delinquency rising, members leaving | net worth falling |

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

- 2026-08-25 [Hawaiian Airlines to sponsor University of Hawaii football jersey patches for 2026-27 season - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNenZzMk90OWxxRHNkemhPUkJhTXNpc3RhM0djSjN4el9obnVsbTFwNXBOc1JVS29haDZNLVhNNHFOQTdocmphdG1vRnNwRW92c1hQeExtZThQOVFXeVVNa0VaRkUxNEJ3RFI3YVkweWlVOHN6WGk2ZWd4N001RUhlTS14eFVLQkVLWHluQk1kSl9kWWphZVVmOTMwRGRLeklJTUYw?oc=5) · The Business Journals
- 2026-07-16 [News briefs for July 16: New board members, new flights, free professional development and more - Big Island Now](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQNWt4blRMclptTnFOemFBTnI5MHVyenppbzRha0I0OVBNcHR5RmNiZlFKYkpneE9xUHppZzBDWXZvOEVzdVBiS20zSE1MTjZDSGFDdFMtbUZxNkh0QktDQ0hFdHZiVE9hYWNfT3VQOTd3OEJVUFduYl9LRG91endUWnpjVUVyMWUtSWpXZkdNdXozM1VmeDdVdnlPeklZZDY3eUtoeGtSUXphSFp5dXRYVUh1ci10STNHS3FWcy04RnY2MjVVTExnSw?oc=5) · Big Island Now
- 2025-11-05 [Hawaii State FCU announces leadership restructuring as longtime exec prepares to step down - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxNRThJem00TWlSYjh5a2YxZGNVX2duTjNVZ0hxZlhWYWNoem51akVQVW41QkVTRklaYmUzN1FsSDdkOTNicWRaYjZDa0laWkUtZ2JKOC1UcFlpUmVXbjNJLXJUS09WaUdManRVcFlPczcwQXhueGJkQ015dEhqeW9EYk9rYTZYZ09SRkdYUA?oc=5) · The Business Journals
- 2025-09-25 [140 vendors and food trucks to showcase at the 2025 Hawaiian Airlines Made in Maui County Festival - Maui Now](https://news.google.com/rss/articles/CBMiygFBVV95cUxPRm8wTHNLS3U2al9PbHpKV2VpWWJjNEpkY2pCeGZfa2Vic3ZKTk4tMUxSX0JTMHp4ZWg2ajBsc3lOVnlyZC1jclRpX1RIYUEwTko0aU4xdXRTUmdiQW9xN3FfUUxZcGRzSVAzS3hsTVlnUkdzZGs0ajVVSUhSWDBidmdVTmpjNlJaelNRZ3lWMFVjd2ZhZW1YUWkwSGR4YUswQzR1ZnJVaExQMHNyTWUxeWpZbXlaN0FSdHM5MVhLVHhyOEpUY1ZfLWNR?oc=5) · Maui Now
- 2019-09-05 [Hawai‘i’s Most Profitable Companies - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMib0FVX3lxTE4xTzFIakRvSDMwaUREaG5kbzJUc0p2WW5qem9uajhxYl9Od2Y1UE01b1pPYTZjZ3E3aEF4dWpORWt6U2RfN256ZklTek91cHA0al9TSkpubUMxQzRRT0dHU1RaV2Q1WTVFSnBnSk54Zw?oc=5) · Hawaii Business Magazine
- 2024-12-21 [Golden Grizzlies Open Up Hawaiian Airlines Diamond Head Classic Against Loyola Chicago - Oakland University Athletics](https://news.google.com/rss/articles/CBMi5gFBVV95cUxQTGJLOWh2RmMyN05fX1FXLW5KdGYxTUdYT1dvUlRYOFdQV2R2WVRMTlozWk9tSVhHNTZqWWVTS1JqTU9WZTZPUVRZTXpNb0dYRTk4S0VKWXdMQWFzenJLaExrV2hOZmxFVzVTQWRQdUpkRmFpbFVENU9xbWtxOFlObjhSeUFHMXRUYkFUUjRwRGRVS2lMbVM3NzRCY1dINk9aRHlVMV84R3lnUFU4NTBNY1E5djRXWmtycC1lMEh1VDZPSXM4Xzh1NGNtQl9qNzBOLWd0R2R3RDZCelVNTVNDQnNQVG5Gdw?oc=5) · Oakland University Athletics
- 2023-12-06 [Redesigned career fair helps Castle High students better engage with prospective employers ‘speed-dating’ style - Hawaiʻi State Department of Education](https://news.google.com/rss/articles/CBMi4AFBVV95cUxNZTBRWHZWT2tmU2J1aXVFczVqbUVzSWZfNVJaZnBLYmp6SVExeVFwT09wTzRSSDJYS1Z3US1SUDhpa2RVSlNhWTJRMWVXUjlTLU1FMHlTdURoZ1BzbHFUanppSkczS1MwWUtlMWZObXBJZ0ZnbGhtYzFWSHFHLWhfNlBFT0pFWkRfem5XOHF1SEtSaVBBdHBfZmlfZUQ1X2hyczNtTU05ODdGRkVMWWNkOE45bGJ0M2xiNzN1VEhqVFBWQnJ0b2FJQ2lqaXdIVmFSVENOM0dCMnBFNXRtelRydQ?oc=5) · Hawaiʻi State Department of Education
- 2016-08-25 [Hawaiian Tel Federal Credit Union buys naming rights for Aloha Stadium field - Hawaii News Now](https://news.google.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?oc=5) · Hawaii News Now

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=5927 (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/39.json (key "5927", 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=5927
- 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