# ST. FRANCIS MEDICAL CENTER
Honolulu, HI · NCUA charter 9719 · asset band <$50M · latest filing 2021-09 · stopped filing after 2021-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/st-francis-medical-center-9719

Who the members are: federal charter, service (single sponsor), organized 1954. 844 members of 2,500 potential (33.8% of the field); checking penetration 0% (share draft accounts per 100 members); loans per 100 members 50.

**Verdict on the desk:** this could be *stressed*. Composite score 9 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.6M |
| Members | 844 (-24.1% YoY) |
| Full-time staff | 0 |
| Net worth | $1.1M |
| Net worth ratio | 11.3% (p44 of band) |
| ROA (annualized) | -7.31% (p1 of band) |
| Total delinquency | 10.03% (p98 of band) |
| Net charge-offs (annualized) | 14.03% (p100 of band) |
| Loans / shares | 51% (p54 of band) |
| Cash / assets | 59.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.75% (p89 of band) |
| Operating expense / assets | 4.86% (p91 of band) |
| Vehicles % of loans | 64% (p58 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p46 of band) |
| Vehicle delinquency | 11.12% (p98 of band) |
| Vehicle NCO | 11.19% (p100 of band) |
| Repossessed % of vehicle book | 0.00% (p47 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 33% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 47% |
| Certificates % of member funds | 53% |
| Average share balance | $8,017 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 50% |
| Loans granted per 100 members, annualized | 15% |
| Average loan balance | $10,216 |
| Loans granted, annualized | $1.4M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **expense trap** (`earn_opex`)
- **delinquency 2x band** (`aq_dq_high`)
- **charge-offs p90** (`aq_nco_high`)
- **assets shrinking** (`shrink_assets`)
- **members leaving** (`shrink_members`)
- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, charge-offs p90, auto monoline |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | charge-offs p90 |
| 2016-12 | 2 |  |  |
| 2017-03 | 5 | margin squeeze, delinquency rising, charge-offs p90 |  |
| 2017-06 | 3 | assets shrinking | auto monoline, margin squeeze, delinquency rising |
| 2017-09 | 4 | auto monoline |  |
| 2017-12 | 4 |  |  |
| 2018-03 | 3 |  | charge-offs p90 |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 1 |  | assets shrinking, auto monoline |
| 2019-03 | 2 | charge-offs p90 |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 4 | margin squeeze |  |
| 2019-12 | 4 |  |  |
| 2020-03 | 5 | auto monoline |  |
| 2020-06 | 6 | losing money |  |
| 2020-09 | 7 | loan book shrinking |  |
| 2020-12 | 6 |  | net worth falling |
| 2021-03 | 6 |  |  |
| 2021-06 | 8 | expense trap, assets shrinking, members leaving | margin squeeze |
| 2021-09 | 9 | net worth falling |  |

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

- 2024-07-16 [Local credit union approves proposed merger with another business - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQX21GT2g1TDUxa2tTc0tEb2FPdFNxWlAzRGhWTGVMajN1MkNQck9wcXM2aGRpTWlDUl9sajdhdGhPV1E2ZmFySkZWWThRbnppdXZ0MVRCNHZnOFBURmlpUEVQWUFuME1UTUJvSlRyTVFNVU9DSG8xUmxHV01MQ1FXSFZpZW1VaUt1RkJ5TzJKOW03alhtS2V3dTFsTUZuTEVPNVFxVjFrU08?oc=5) · The Business Journals
- 2021-11-16 [A Look at What Members, Mgmt. Get in Mergers - cutoday.info](https://news.google.com/rss/articles/CBMihwFBVV95cUxOdnFVb19VYzc1ZE1SVU5peGJYTWZNVlRjZEV2QmE2bTAzeFhyTklMb3VwZVJic2k2SFV0bnVCOEdSOW0wSHR4MHN0OTNCcml6VTlXQXNqWGpYd29rZDdPemxFUjYybjVxRm9MN3VnZlp0T1lheTJxR3AyUDJtUkMzcXU0eUFsR1E?oc=5) · cutoday.info
- 2023-08-03 [Elaine Suzanne Hostler Obituary Aug 3, 2023 - Apfel Funeral Home and Cremation Services](https://news.google.com/rss/articles/CBMidEFVX3lxTE1pcXVkZGRJNTJkRjlVc0VjVFR0d003TlFuVHJacXBqaHl4MWJaLVVNeTJueGxqOHUxU1dEOHFmTVZWOXhpeUZhczBXNU1lNWQ1cFJTQW1QN0prVDEwNHJ3bVg0S1Q4Mkk1SnJrT19FR2RXZkVU?oc=5) · Apfel Funeral Home and Cremation Services
- 2025-11-13 [Elvira Caffrey Obituary Jul 2, 2005 - McKown Funeral Home](https://news.google.com/rss/articles/CBMia0FVX3lxTFBwTWpWVnFZbEhXaHo0STQxVEtkZUF5NlBnSFdITE9aYkFpSWtaUnFrT0YxS3BwWmxYQmVyRWFMUnZWcG1jWXpxcExSWU42ZV9fcVB0TUJUVWRhQTBQc3N3Y0FuanBMVHhTMkpj?oc=5) · McKown Funeral Home
- 2023-09-20 [2 Cars 2 Winners: Walker Family! - KNOE](https://news.google.com/rss/articles/CBMicEFVX3lxTE9OWmVWUUdCS1ljTW1wTEYteWV2UUktSENfbzJldUpRdll6THpwb0UwVzlHTS0zaDFoTm5vREthWVE2c0tBSW4xQjJUamN0TU8zUDF1UF9oY0JqZDZScXZBRmhlMmdnbkpoUU96TkZ1eTjSAYQBQVVfeXFMT0xXWk9LQVRWUkRrZ3NzME13YTdxbWpqS1gxTE9YS01Majhmb29nOUJrRDloYlAxLS1Sb2duQWZIekliREdITEp3SHNUR3pBYUlMOThmSTBRb1YxeXpKTzNDcEQyM1BCSGoxakFmX1N6U3NiSE5TZmgzQUpBSzlCbTNpX25p?oc=5) · KNOE
- 2024-10-07 [Aloha Pacific FCU opens newly rebranded branch, following merger with Oahu FCU - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxNQ0U2dEJ4LWZjcDRjMndMYnFsQWdIbk55VHhQc1hwM0FzbGRQVFZadFMwN2lfQlhXQjJ0UVRGanA5cHJ2ZlRTajBES3Y4WUpaWlFheGlSLWZrbnVCYktydWtGa1N2dlJqbUpfY1psNi1Nalp3MEF3Y3lwOVRqQ0NQTDktZ3R3OWJWalN5S0RzZ2pHdGljbTRyUURqdXlaT3Iz?oc=5) · The Business Journals
- 2019-08-21 [The St. Francis Foundation's 2 Cars 2 Winners Raffle kicks off for 2019! - KNOE](https://news.google.com/rss/articles/CBMiugFBVV95cUxQdUR1TkZ2VkxxaEw5eWdlc2dxb0U2SGhoWW9HNzBGTVMxM19XeHVHUE9RZF9DcE5wV19nT0VXdEhYbTlpN0VINWZpUTlTMjVQNHRfbTRLUTkxQVQ2clRkdkxpQy1fUjNiMURvZDNEcnh1b1pCODlUdVFNUm9fcjRtbUFVWnpubk1EUXhza0dMZ1dOejB6NDBWdVZYa2FzaEN5aTVoVFlhOC1EUkZVdzBFc3NXU21oa3dtcHc?oc=5) · KNOE
- 2023-09-13 [2 Cars 2 Winners: Dickens Family! - KNOE](https://news.google.com/rss/articles/CBMickFVX3lxTE4yVnl2UTZKbXhpOTc1aUtIVnF2Vk9jNUJQSTNudEJNUWEzYjRZbTgyTDFJUUhrSHE1M2ViRlJaeEh5cmpKaEk3S3JxOHczaW55Vlp4T0FHOFNnaUxQa3JmMXM2QXdVSjRtVDV6Yjk3dVFId9IBhgFBVV95cUxQaVVxU2tyWGdHcVRKYXQ4VHVsNmtnQVQzMGs1d0hLLVU3eHVhZ3o2QjZldTVQZV9LVkV6Z0lwYWJlSW9PZ1pqT2F3WGZLZlJyTXEwNFpxZTctN3JMLVdHZjJSNzRJd2FGeTdCeUg4Zk52LUZpSTRrWml4NThnYkxKMnBsQTRiUQ?oc=5) · KNOE

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9719 (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/55.json (key "9719", 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=9719
- 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