West Oahu Community CU, nevertheless, has been growing its net worth, market share and loans since 2012, according to NCUA financial performance reports. Total loans, for example, grew from $7.4 million in 2012 to $8.5 million in 2016. The credit union's total loans continued to increase to $8.6 million at the end of this year's first quarter and $8.9 million at the end of the second quarter, according to NCUA's financial performance reports.

However, West Oahu Community has seen its membership fall from 5,555 in 2012 to 4,661 in June 2017.

The NCUA September report showed there were no credit unions merged because of poor financial condition.

The largest approved mergers in included the $124 million Parker Community Credit Union in Janesville, Wis., into the $1.7 billion Educators Credit Union in Racine Wis., followed by the $103 million Coastland Credit Union in Metairie, La., into the $519 million Jefferson Financial Credit Union also based in Metairie; and the $51 million Eastern Maine Medical Center Credit Union in Bangor, Maine, with the $157 million Acadia Credit Union in Fort Kent, Maine.

Other consolidations included the $20 million Financial Benefits Credit Union in Alameda, Calif., into the $1.2 billion Financial Partners Credit Union in Downey, Calif., the $16 million Clearchoice Credit Union in Wyomissing, Pa. with the $1.1 billion Utilities Employees Credit Union in Reading, Pa., and the $8.1 million White Pine Credit Union in Pierce, Idaho, with the $2.9 billion Idaho Central Credit Union in Chubbuck, Idaho.

The remaining credit unions that got the OK to merge were all under $5 million in assets.

The NCUA report also noted that three Mississippi credit unions converted their charters from state to federal, which included the $15.2 million Elevator Credit Union in Olive Branch, the $14.5 million Mississippi Farm Bureau Employee Credit Union in Jackson and the $11.4 million Vicksburg Railroad Credit Union in Vicksburg.