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
- 31,533
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
31,533 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | PEARL HAWAII |
|---|---|
| Total Assets | $544.0M |
| Members | 31,533 |
| Loans Outstanding | $244.1M |
| Shares & Deposits | $486.6M |
| Net Worth | $54.9M |
| Net Worth Ratio | 10.09% |
| Loan-to-Share Ratio | 50.1% |
| Delinquency Rate | 0.37% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Hawaii RankingsFrequently Asked Questions
PEARL HAWAII is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, PEARL HAWAII has 31,533 members and a potential membership field of 953,000 people.
PEARL HAWAII's reported net worth ratio is 10.09% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or PEARL HAWAII. All financial data is for informational purposes only.