# WAILUKU
KAHULUI, HI · NCUA charter 9924 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/wailuku-9924

Who the members are: federal charter, community charter, organized 1954, minority depository institution. 5,383 members of 45,916 potential (11.7% of the field); checking penetration 38% (share draft accounts per 100 members); loans per 100 members 33.

**Verdict on the desk:** this could be *fortress*. 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 | $132.1M |
| Members | 5,383 (1.1% YoY) |
| Full-time staff | 13 |
| Net worth | $16.3M |
| Net worth ratio | 12.4% (p59 of band) |
| ROA (annualized) | 1.53% (p88 of band) |
| Total delinquency | 0.26% (p20 of band) |
| Net charge-offs (annualized) | 0.14% (p26 of band) |
| Loans / shares | 79% (p68 of band) |
| Cash / assets | 8.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.61% (p46 of band) |
| Operating expense / assets | 2.62% (p17 of band) |
| Vehicles % of loans | 15% (p14 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p16 of band) |
| Vehicle delinquency | 0.76% (p60 of band) |
| Vehicle NCO | 0.60% (p54 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 79% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 56% |
| Average share balance | $11,912 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 33% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $50,941 |
| Loans granted, annualized | $32.1M |

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | delinquency 2x band |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 0 |  | delinquency 2x band, delinquency rising |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 1 | net worth falling |  |
| 2018-09 | 2 | delinquency 2x band, delinquency rising | net worth falling |
| 2018-12 | 1 |  | delinquency 2x band |
| 2019-03 | 1 | net worth falling | delinquency rising |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 1 |  | net worth falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 0 |  | margin squeeze |
| 2021-09 | 0 |  |  |
| 2021-12 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-03 | 2 | net worth falling | delinquency 2x band |
| 2022-06 | 1 |  | net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 0 |  | delinquency rising |
| 2023-03 | 2 | net worth falling, delinquency rising |  |
| 2023-06 | 0 |  | net worth falling, delinquency rising |
| 2023-09 | 0 |  |  |
| 2023-12 | 1 | net worth falling |  |
| 2024-03 | 0 |  | net worth falling |
| 2024-06 | 1 | delinquency rising |  |
| 2024-09 | 0 |  | delinquency rising |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2025-12 | 1 |  | delinquency 2x band |
| 2026-03 | 1 |  |  |

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

- 2026-06-24 [Salvation Army Kahului Corps calls on community to help Maui students - spectrumlocalnews.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxNb09DMkUzSjBYREJvX25TR2c2ZFNrM1I4OXI1SzVpTGY1bHdLd200Qm9MdVFnQzZvRDFCRmVLZFhjS011UFNubDEwZnZ0aF9QTjlfSlhyRmotRDZITzByMDl4bE9janlVOUg3aXZlS010TGU4NkpxNncxRFQzdFlSWF83c2pxeXd2c2doX1JEdmtCcUJ5WV96Rk41Wl9jM29IRVpXelhqVURSTnpGcUlrR1BESDdVdHVzRHltSF90MVc4RmM?oc=5) · spectrumlocalnews.com
- 2020-05-06 [Maui County Federal Credit Union Wailuku Branch Resumes Normal Hours of Operation - Maui Now](https://news.google.com/rss/articles/CBMiswFBVV95cUxNTGswbFZWZndxVEVILXFtcWZ3Vi16V3hEdC13UHJLMDlYY1VlWGk1dHdSLTI2dXEzelpqRW1fV29iNVdvNXFpbWRqOHVRNFUzODBNRVRyS3dVM0NLMnV3aU9MY3ZyLUlUcktoc2c0eTBObWlUNDBBTE1qVkNLdkJDTzBaYWttRXlOUDZKQjhmYlpnd3RmUHNKYlRERnVsRUh2NXB6NzRYUHMzenZUUHRyaUN6RQ?oc=5) · Maui Now
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - Hawaii - Newsweek Rankings](https://news.google.com/rss/articles/CBMijAFBVV95cUxQM1ZEakszY3JjVVExTWRjSk1URXRuSkQxRjdCWDJaY29JbnBWN2FjclhOVmd6bi00bDJpcmVhZTVvMHc5ajRYOXc1SVRrR2VyeHB1SUJLYXA3bTdWM3g4XzZHb3lFMEZ3ZG4wWkxSQkR0UlktNURDOEh5VnNpSnZUbUFRUEw3SzBXRl9pOA?oc=5) · Newsweek Rankings
- 2022-05-24 [Wailuku student weaves storytelling, culture to win free tuition - University of Hawaii System](https://news.google.com/rss/articles/CBMifkFVX3lxTE80WGI5dlZGRVZNaUktVUtkSUN5OG5YTWFYT0p6Q1dDTlptNzl1Yjd0TDBzc2xWdUU1eGsyX0ZrQWE0OXhGa3F3YWltbHF2Nld0c183MHBqVFhRUXl6VW5JaTR4WXFHYjhIYjNHUTlBMHVxN3JxT29ya01jQVFMdw?oc=5) · University of Hawaii System
- 2020-12-11 [Maui County Federal Credit Union breaks ground on new HQ, branch - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxOaUwyZjIwYy1uRkNwU193dDc3VzdFbHIyeXRGLVFYV0ViSEhxcUNKZXBmeU84eGZ1M1NmaC1tZGIzUXpBNnJ0dDdSODJSRmJpTklTeFZDNmFyWE9lYmdDRGpaYXhiNFc3cWs0VDhMVWJESWlqMDdCeXY4c1Y5VU1HVHFQMk9JekNLM0dRWTd2eHhoaHl0Y0hjcXhiUzFBdTlrcXNtckx0MnFZOGs?oc=5) · The Business Journals
- 2022-05-10 [Adelaide Rowland Obituary - Wailuku, HI - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxPbGlTR0hZdDhHcG8weVBhUVZLOG1VWnhpQ3l4bjJ5bGpWUWlVSlI0S1QyRmVKTjI0SmFIdjBPcTg2S3ItMDg1SzNiRVJTYVZDakJRalJjSGZ2RWR1RXpiUlh6NllHdTlVbVlRbDVralM3aW4tMkNKRktIdm5HQmpydEdNal9odw?oc=5) · Dignity Memorial
- 2025-04-10 [Wailuku FCU awards $6,250 grant to Pacific Cancer Foundation - Maui Now](https://news.google.com/rss/articles/CBMilAFBVV95cUxOQ1BxWkx1OTVxTFFua3p1TGVsR1pmZms2azNsb0NkUENXX3FIUzgxNDB4blhIZWY3dVQ2RkVVUGNMdE1zWkUyODIyQmR0eG51QlFTX0QtZVplSFZxR0ZOYlpyT19mTjQ4bzJySWZ5THFpRzk0MnFQV1BRTkZ0dVk4NVNQUWhSMWFFS3ZkR3VyZGJqMzVu?oc=5) · Maui Now
- 2025-08-29 [Kokua Kahiau: Hawaii businesses give back through corporate citizenship - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxPTVV3NzZyM1BydlIyV2h1MHg0US1IX2d6dzNsbjhhemgwZ0tON3huSkROdTgyb183aTNXUGFrS2ZmLTRsVDc4a3RubGJOOTdXb3kxd19kV2hVQy1RYjNneEFOYlZYRUtHVFZncU1ac25ScW0tdTZaT3MtOXJzU1A1WVVMLTdwcmZFTGp0UW43WnI5MXRoSVE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=9924 (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/4.json (key "9924", 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=9924
- 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