PEARL HAWAII
Federal • WAIPAHU, Hawaii • Est. 1937
Quick Facts
- Charter Number
- #1961
- Type
- Federal
- Established
- 1937
- Headquarters
- WAIPAHU, Hawaii 96797
- Address
- 94-449 UKEE ST
- Branches
- 6
- ATMs
- 2
- Members
- 31,443
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Well-capitalized with a healthy net worth ratio and solid financial fundamentals. A reliable institution with good long-term stability.
Financial Overview
Total Assets
Members
31,443 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PEARL HAWAII |
|---|---|
| Total Assets | $523.4M |
| Members | 31,443 |
| Loans Outstanding | $241.3M |
| Shares & Deposits | $468.4M |
| Net Worth | $51.9M |
| Net Worth Ratio | 9.91% |
| Loan-to-Share Ratio | 51.5% |
| Delinquency Rate | 0.53% |
| Net Income | +$6,776,924 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
6 locations · 2 ATMs
Main Office - Waipio Branch
Main Office94-449 Ukee St
Waipahu, HI 96797
Honolulu Branch
1288 Ala Moana Blvd Ste 106
Honolulu, HI 96814
Airport Branch
550 Paiea St Ste 128
Honolulu, HI 96819
Shipyard Branch
585 Port Royal St
Honolulu, HI 96818
Ewa Branch
91-1401 Fort Weaver Rd Ste A102
Ewa Beach, HI 96706-2268
Who Can Join PEARL HAWAII?
Membership Type: Other/Unknown
Membership eligibility for PEARL HAWAII may vary. Contact the credit union directly to confirm qualification requirements.
Contact PEARL HAWAII directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Hawaii
Browse all federally insured credit unions in Hawaii, ranked by assets, members, and financial health score.
View Hawaii RankingsFrequently Asked Questions
Yes. PEARL HAWAII is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, PEARL HAWAII has 31,443 members and a potential membership field of 953,000 people.
PEARL HAWAII's net worth ratio is 9.91% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 9.9%, PEARL HAWAII meets this threshold.
PEARL HAWAII operates 6 branch locations and has access to 2 ATMs. The main office is located at 94-449 Ukee St, Waipahu, HI 96797.
PEARL HAWAII was established in 1937. It is a federal credit union chartered under charter number 1961. The institution has been serving members for 89 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or PEARL HAWAII. All financial data is for informational purposes only.