# KO`OLAU
KAILUA, HI · NCUA charter 8435 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/ko-olau-8435

Who the members are: federal charter, community charter, organized 1953. 6,238 members of 953,207 potential (0.7% of the field); checking penetration 43% (share draft accounts per 100 members); loans per 100 members 91.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $104.8M |
| Members | 6,238 (-4.2% YoY) |
| Full-time staff | 11 |
| Net worth | $9.5M |
| Net worth ratio | 9.1% (p15 of band) |
| ROA (annualized) | 1.01% (p69 of band) |
| Total delinquency | 0.07% (p5 of band) |
| Net charge-offs (annualized) | 0.55% (p71 of band) |
| Loans / shares | 62% (p35 of band) |
| Cash / assets | 29.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.38% (p32 of band) |
| Operating expense / assets | 2.99% (p26 of band) |
| Vehicles % of loans | 26% (p31 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 134% (p76 of band) |
| Vehicle delinquency | 0.19% (p20 of band) |
| Vehicle NCO | 1.11% (p77 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 64% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 50% |
| Certificates % of member funds | 24% |
| Average share balance | $10,276 |
| Participations bought / yr | $3.7M |
| Participations sold / yr | $0 |
| Participations outstanding | $9.8M |
| Loans outstanding per 100 members | 91% |
| Loans granted per 100 members, annualized | 126% |
| Average loan balance | $10,338 |
| Loans granted, annualized | $50.9M |

## Participation posture (from the same filings)

Bought $3.7M and sold $0 in the latest annualized quarter; $9.8M outstanding purchased (103.0% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 10.3% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)
- **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, charge-offs p90, repo signal |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 4 |  |  |
| 2016-12 | 4 |  |  |
| 2017-03 | 3 | members leaving | delinquency 2x band, charge-offs p90 |
| 2017-06 | 2 |  | repo signal |
| 2017-09 | 2 |  |  |
| 2017-12 | 4 | repo signal, assets shrinking |  |
| 2018-03 | 1 |  | members leaving, repo signal, assets shrinking |
| 2018-06 | 3 | repo signal, assets shrinking |  |
| 2018-09 | 2 |  | repo signal |
| 2018-12 | 0 |  | thin capital, assets shrinking |
| 2019-03 | 2 | assets shrinking, members leaving |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 | repo signal | assets shrinking |
| 2020-03 | 1 |  | repo signal |
| 2020-06 | 3 | net worth falling, margin squeeze |  |
| 2020-09 | 6 | thin capital, delinquency rising, loan book shrinking |  |
| 2020-12 | 5 | repo signal | delinquency rising, loan book shrinking |
| 2021-03 | 7 | losing money, loan book shrinking |  |
| 2021-06 | 5 |  | members leaving, loan book shrinking |
| 2021-09 | 2 |  | net worth falling, repo signal, losing money |
| 2021-12 | 1 |  | margin squeeze |
| 2022-03 | 2 | losing money |  |
| 2022-06 | 5 | delinquency rising, assets shrinking, members leaving |  |
| 2022-09 | 3 |  | thin capital, delinquency rising |
| 2022-12 | 4 | delinquency rising, repo signal | losing money |
| 2023-03 | 2 |  | delinquency rising, repo signal |
| 2023-06 | 3 | repo signal |  |
| 2023-09 | 1 |  | members leaving, repo signal |
| 2023-12 | 1 | 3rd-party paper>100% NW | assets shrinking |
| 2024-03 | 3 | net worth falling, losing money |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 1 |  | net worth falling, losing money |
| 2024-12 | 1 |  |  |
| 2025-03 | 3 | net worth falling, delinquency rising |  |
| 2025-06 | 4 | members leaving |  |
| 2025-09 | 3 |  | net worth falling |
| 2025-12 | 3 | repo signal | delinquency rising |
| 2026-03 | 2 |  | repo signal |

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

- 2026-07-01 [Best of HONOLULU and Best of HONOLULU Family 2026 - honolulumagazine.com](https://news.google.com/rss/articles/CBMiZkFVX3lxTE5Ea1VqVElfMVUyaEJPdzA1UktuZUZNaGQyejdTZGtFTlBkZUVhRzUtZDZtV0tlRGU1Y1RWSkk0R0l4WXExd1lremJUM2plVGZSTzZ6V0lCbHhNTkItc21FV3g3UTRxdw?oc=5) · honolulumagazine.com
- 2025-08-05 [Kauaʻi’s first public school on North Shore for grades 7 and 8 opens at temporary campus - Kauai Now](https://news.google.com/rss/articles/CBMinwFBVV95cUxPTUlrNkhuTVlQQjdnbjBCM0xyb0Y2alk4cFlhelZEbENVV2hjSnVJVExPY09Sa3NHbW40S2NsZkYzelhpd0xJamFqeTlGeVBfakgta21MT3JIV0ZncTdUNVVDMXdyLWdKQnVXR3d6aWFuR1dCaWowWlRkT3Fzb0xpaV9YTk9xRGlPYVhYRk9EdnVVbzRTWUc2TGw5aEdjcXM?oc=5) · Kauai Now
- 2021-09-14 [Best of Honolulu 2021: The Best Services on O‘ahu - honolulumagazine.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxNRER6NzExNFg5b1pwR2pZc2JLekNqU0N5NkJ2ejFVZjRoeHRkeUlWdVp5UkRlcWtwMHVsRkhWWjJuR1o1WFZuSjlzZm56enNENDFXbFVObTlzUmRIbEVkLTdnRGtVbnFVd3ZiSmt5YTVhcUJ1MHhZb18wTzhoemdmX0xnNHpQLURt?oc=5) · honolulumagazine.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=8435 (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/51.json (key "8435", 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=8435
- 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