# SCHOFIELD
WAHIAWA, HI · NCUA charter 7423 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/schofield-7423

Who the members are: federal charter, multiple common bond, organized 1951, low-income designated, minority depository institution. 1,985 members of 995,000 potential (0.2% of the field); checking penetration 35% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *quiet fade*. 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 | $34.5M |
| Members | 1,985 (-7.1% YoY) |
| Full-time staff | 6 |
| Net worth | $5.8M |
| Net worth ratio | 16.8% (p61 of band) |
| ROA (annualized) | 0.19% (p31 of band) |
| Total delinquency | 0.06% (p22 of band) |
| Net charge-offs (annualized) | 0.13% (p60 of band) |
| Loans / shares | 75% (p74 of band) |
| Cash / assets | 24.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.98% (p18 of band) |
| Operating expense / assets | 3.74% (p54 of band) |
| Vehicles % of loans | 12% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p86 of band) |
| Vehicle delinquency | 0.00% (p16 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 83% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 40% |
| Average share balance | $10,765 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $1.7M |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 7% |
| Average loan balance | $57,706 |
| Loans granted, annualized | $5.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $1.7M outstanding purchased (28.5% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 10.1% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## 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 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | assets shrinking |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | assets shrinking |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 1 | losing money |  |
| 2020-03 | 0 |  | losing money |
| 2020-06 | 1 | assets shrinking |  |
| 2020-09 | 0 |  | assets shrinking |
| 2020-12 | 1 | delinquency rising |  |
| 2021-03 | 2 | net worth falling |  |
| 2021-06 | 1 |  | delinquency rising |
| 2021-09 | 2 | delinquency rising |  |
| 2021-12 | 0 |  | net worth falling, delinquency rising |
| 2022-03 | 1 | losing money |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 1 |  |  |
| 2022-12 | 2 | delinquency rising |  |
| 2023-03 | 1 | assets shrinking | losing money, delinquency rising |
| 2023-06 | 1 |  |  |
| 2023-09 | 3 | net worth falling, delinquency rising |  |
| 2023-12 | 3 | members leaving | assets shrinking |
| 2024-03 | 3 | delinquency 2x band | net worth falling |
| 2024-06 | 5 | losing money, leaning on borrowings |  |
| 2024-09 | 4 | assets shrinking | losing money, leaning on borrowings |
| 2024-12 | 3 |  | members leaving |
| 2025-03 | 0 |  | delinquency rising, delinquency 2x band, assets shrinking |
| 2025-06 | 1 | assets shrinking |  |
| 2025-09 | 1 | net worth falling | assets shrinking |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 1 |  | net worth falling |

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

- 2025-12-20 [POLICE: Venezuelan national charged in suspected ATM jackpotting attempt in Weston - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMixAFBVV95cUxNc1lhV2dMdTl3cVp5SHFZSGlxOWJXQXpCTnI4OTRpc2ZlMUpVQVQxa2lGa053ZWJIdk84a3Fxc2tEb2J5dUVOR0p1dzVMODRIc2NnOHplUDJzaVpzTEZzVnB2UEYwVExReTJCZ0ItSDVVVmtTMTBqMDFkeUhxaUxZZm8wZkl2YnhTRG1tdEFucjZoQXlfRG92TzJlaWtrNFNieVJ0NjhkbngwUURoNWxoMzJlSjYyclRtajBkS3V1TzJUWjFj?oc=5) · Wausau Pilot &amp; Review
- 2017-09-12 [Consumer fraud thrives - army.mil](https://news.google.com/rss/articles/CBMiakFVX3lxTE9LSVJEaDA5OUc5SzNNcXpsLUFSYVJJWVI3S19WamR4dkRGMDUteVhKODNyUjI5RDFsbmZUX2Yta0RlWEhtektWUmdtTDVCUzc5TUZQLU9XXzRPT2lwUkZnTzBFRGNuZWxRWXfSAW9BVV95cUxPdERsTExkajd6c3Q3d2ZRc0ROZ0JYaDNIU1FySzlUU1FRR0phRVRfM0NFT0pkRVlIZXIyRHR2MGRGazIwaEZKc1hsRXFvZ1NKcmh1N2lnTXhSMmM5TXNyMkw2U3pSNHJZSTZvX3V5OU0?oc=5) · army.mil
- 2026-02-11 [Tumbler Ridge Recap: Three shooting victims, their killer identified - Vancouver Sun](https://news.google.com/rss/articles/CBMiiwFBVV95cUxPVnp5Sy1LdUg5NU81SllEQU5YS0hyX3pjMHNjTk9ORUhpbGdDQU4wdV95VUVHS3puYlNXaC1ZRi1kYldYcU5GdWRoeE9SYTdWN19nTEpoSi1WSGp2TG1keFl3UG90OTlod3gySWg5SklncTJYOUZfTUphRkZHdE5GZVR6M0JuVG4wQU40?oc=5) · Vancouver Sun
- 2019-04-29 [Sheldon Claren Schofield Obituary Apr 29, 2019 - Walker Sanderson Funeral Home & Crematory](https://news.google.com/rss/articles/CBMibEFVX3lxTE4wTXJOX0k1QmVjaTFhbXFyd0hlYzFUR05ZbWdzYmozYUVzS0UxTHZOSDBvQ2Z1SFoydGZoNjg4VGZ3WGV6RnBSNE5RdGswMElRYlVxa3dEVktjcEgweHAxdkJpczRlS1dwWnhGNA?oc=5) · Walker Sanderson Funeral Home &amp; Crematory
- 2010-07-19 [Richard Kim: Schofield Broncos commander - University of Hawaii System](https://news.google.com/rss/articles/CBMiY0FVX3lxTE5zQ1lxeHFFbElTZzJkYVdCM0lIX2FBb0dJbmdUSnhZaGkzNllZc0RxYy1RTlhSNXNCb2JwSWFuSWt3U0RyYktac3FYdGt1WklsZTg5UlMxOEo5VEJ3djd2NUM5VQ?oc=5) · University of Hawaii System
- 2014-11-05 [Update: Police identify man involved in chase - Wausau Daily Herald](https://news.google.com/rss/articles/CBMiowFBVV95cUxOUEpZVktheTlHZ1ROTzUtMFY3bFFGcy1zdE1aUkxIN01jQ3FfSE1EZksxYXE4eC1ySWNKMndoWUZ5cVNqM3hDd0xxVHZPaWJwTVVTTk5RUndlRGNlcGQ1dW9aaXBLZWtfT0cyZmp5Y21IMEV3ZUFMYUg4NkZ4M0JuUmRyeU1HaVF0VWRJTl9pMVowRDdFdVNqeFdleDAxZF83OXl3?oc=5) · Wausau Daily Herald
- 2014-06-01 [Inspirational Fremont cheerleader succumbs to rare disease - Standard-Examiner](https://news.google.com/rss/articles/CBMivgFBVV95cUxQUFZ4OXhkakpuaS1uLVZRQUoxemFYZmR3MXFvY3R3czBTajFZVUNxdG94dnRIeVd3eFlLdzhjUzhfRE42b0RyenQzSFh0Mjl4SFNqM0YtNmdmY3NBbzdjWHUtSUdxSkFVZHdwUEJTbG13dTJNU2dKMXF1cHNtRngxQ0tvbGdQek12YVpJUmtjMFZUNzRKZ3dKVGx1WGFnblFfSDRPRnQzbFNlTFFQNGd4bDVxbjdsV2pRci1JdFF3?oc=5) · Standard-Examiner
- 2026-02-12 [Tumbler Ridge mass shooting: What we know about the victims - Vancouver Sun](https://news.google.com/rss/articles/CBMikAFBVV95cUxNZnczOWlpcWk0aUwtR3ZGcFZlZ1pJVnh4Q1ZUTTZySU1ERlUtUWU5b1pLcVI4dFRGNjFkR0UxN04wV2NNRUZlMWJVbjl0TXVUMXdEMDZ6TWIxNmJ5SlMxNmhabTVCXzRfbi1aTlA1b001TkRNaXQtcXJVakxRRmtaaVg2YXhXRVVvUVFkZWc3Mmk?oc=5) · Vancouver Sun

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7423 (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/63.json (key "7423", 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=7423
- 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