# ORAL
Honolulu, HI · NCUA charter 6663 · asset band <$50M · latest filing 2016-06 · stopped filing after 2016-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/oral-6663

Who the members are: federal charter, service (single sponsor), organized 1950. 224 members of 300 potential (74.7% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 32.

**Verdict on the desk:** this could be *too clean*. 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 | $2.1M |
| Members | 224 (– YoY) |
| Full-time staff | 0 |
| Net worth | $209,743 |
| Net worth ratio | 10.1% (p30 of band) |
| ROA (annualized) | -13.84% (p0 of band) |
| Total delinquency | 0.00% (p5 of band) |
| Net charge-offs (annualized) | 0.68% (p77 of band) |
| Loans / shares | 36% (p20 of band) |
| Cash / assets | 15.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | -9.43% (p0 of band) |
| Operating expense / assets | 4.42% (p77 of band) |
| Vehicles % of loans | 49% (p47 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p45 of band) |
| Vehicle delinquency | 0.00% (p14 of band) |
| Vehicle NCO | 0.00% (p29 of band) |
| Repossessed % of vehicle book | 0.00% (p44 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 38% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 84% |
| Certificates % of member funds | 0% |
| Average share balance | $7,479 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 32% |
| Loans granted per 100 members, annualized | 29% |
| Average loan balance | $9,201 |
| Loans granted, annualized | $448,548 |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | losing money |  |
| 2016-06 | 1 |  |  |

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

- 2026-02-19 [Federal Court Partially Upholds Illinois Law Limiting Interchange Fees - fintechanddigitalassets.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxNREk2dG1GZ0RjMGlxaUthSEJXZGJUaHFONGdvSjNFZkl4MnVLN01yZUszejRBQW0yY0gwQ29kUFExZjlwVkN2WGcxaTFoa3RCTDBMUFVDSDRuUzBLTlEySFREaE9Hbm1kWXRvNUZoTXFLRGRqUTM5LVFuX1JmZXNwWG5XVC02a1JRMl96b0JMUkxoNGFfb0c1MF8tMHBmYUR0b3J4dE9HWnNISVE5em1EdDNSNk80dmlXc1dB?oc=5) · fintechanddigitalassets.com
- 2026-07-30 [FDA approves first oral PCSK9 inhibitor for adults with high cholesterol - Gulf Coast Media](https://news.google.com/rss/articles/CBMitAFBVV95cUxNZUhtakdjUVo2eFZnY2tFcU9pcU5lU1oxN0NaLXZnRFM0QWUyaTZQRGdkSUUyWmxvcjZBcGloM3NnSGl6TnhTWnBDazAzd0tGSXF6VHgzWmhRamV1U2ktZlB0S21FM1REa191aEtBRHBsaTlMcGMteVdCSnNSelBLWjk5OWdzcExPQm56ejNhMFRGb0ZzLWtzQkVVSVNxdUlhOXY2d29TSGhHemExeFAtUHpFOGI?oc=5) · Gulf Coast Media
- 2011-02-17 [Jake Moniz wins Case Junior High Geography Bee - SouthCoastToday.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNOGdwRnRJaHFSU1NrRDZRTWduckNXblI4OWdUZl9GTjdMZmxobzRGUFFoSVl0eDRyTWtjS1dRUkdoYW16SDZmZlo2emJfSld5YjBVVUVkN2NnalNBYWYwbGVrbzluRnJnSU94ZUNmU0tweE15LUR5MU9PVXFvNkdYY3pESmlTTTJBVFUzWGFXajFvbV9GUjBLX1NKOVJQVlNnRV82Y2EzNUFCNEtqZjBz?oc=5) · SouthCoastToday.com
- 2022-03-26 [Darrell Matao Oishi Obituary - Kahului, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMiigFBVV95cUxNU0drdElSOGVXeUlPbTV5eXpmaW9lZ0lZRWVxWjAxb0N6cnhuWVhTUXhtRVdVVk5IWEUtZUJlelZWZ3FpV2thNWpWQktrZ0ZHc2ZBd2MyTGJWRTgzaTVnUGw2X0JmUjV4eVl3SlBHNW1FUmlWVDZ1WFN4cF9lTXdVQnJfM3h4Vm5saGc?oc=5) · Dignity Memorial
- 2015-04-16 [Dance ensemble celebrates Middlesex County College - Central New Jersey News](https://news.google.com/rss/articles/CBMitAFBVV95cUxNM3JwaXkxeWNhSzlPNVFnNnJrZlBBcnVWd1hiTmFlUGJCVHZqYzZpVjBvbVk2SHN6cW9rZ1U0R1l5WVZCSFpjUV84OHpzU2cwV2JJaVhsWmJtaFFaWW80bXFVRVBITDFmaVlqc2F3c1EtbHNkMDRpaHRzUl9vNDVlSGxVYjlxWFVuQjk5TXA5Z1loczdBMTZaZFlmLTY3WG02c0J1dzBJSGxTNTVXUEZ6QmY3TUY?oc=5) · Central New Jersey News
- 2016-09-05 [High Court: Individuals are not entitled to an oral hearing in complaints to the Data Protection Commissioner - Irish Legal News](https://news.google.com/rss/articles/CBMi3AFBVV95cUxQU0otWUZJLTAzT3RXY1cxYlJTRVRjUnE2d21PYUFjQ0p0aElxYVRON1JtXzE1TnVVUWo1eTVYeFg0Z3dQd0dqTHNzSFdhRHRMc0YzYTJJRWMwNW1BSGxhQ1VPMGVwTjY5a1NoYjR5Uk1OYm1STVNqdnJURGpLUFZaZVVOY1hDZ0Rvc1A2V2lCOFJRWXZDOHQxWktUYjBPa0dFdXVnbkllQXMzLU5HWXRCQ0dDSnlIZFhYVnpfYTF0UnNkS3FhZERkejZmQ05nLTVpUl9yNWVwdlBSNERf?oc=5) · Irish Legal News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=6663 (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/7.json (key "6663", 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=6663
- 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