Federal credit union · WAIPAHU, Hawaii · NCUA charter #1961
Pearl Hawaii
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $523.4M
- Total assets
- 31,443
- Members
- 10.1%
- Net-worth ratio
Pearl Hawaii scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $523.4M; members 31,443; net-worth ratio 10.09%; health rank #1,843 of 4,374; healthier than 57th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,843 of 4,374 health · 2025Q4Pearl Hawaii · health 86/100 · $523.4M · 2025Q4
Call Report peers
Pearl Hawaii in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pearl Hawaii vs every NCUA-scored credit union
Pearl Hawaii sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Pearl Hawaii
- Delinquency Rate leads the peer set - 0.53% here, 0.87% peer average (-0.35 pp).
- Loan-to-Share Ratio trails the peer set - 51.51% here, 83.90% peer average (-32.39 pp).
Pearl Hawaii: in-state Call Report ranks
- In Hawaii, health place is #14 of 45 on the same NCUA-ratio sort used nationally.
- Assets rank #10 of 45 inside Hawaii ($523.4M reported).
- Hawaii membership ordinal: #10 of 45.
- One place up in Hawaii, HAWAIIUSA (#13) ties at 86/100; one place down, Aloha Pacific (#15) ties at 86/100.
How Pearl Hawaii's 5300 filing moved
Pearl Hawaii: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.9% from $523.4M (2025Q4) to $544.0M (2026Q1).
- Net-worth ratio shifted +0.18 pp (9.91% → 10.09%).
This credit union's 10.09% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 86/100 score is built
Pearl Hawaii gives up 14 points in total. Member Growth costs the most, 7.9 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.7 pts
- Return on Assets 13.7 pts
- Member Growth 7.1 pts
- Loan-to-Share Ratio 10.5 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.09% | -1.09 pp |
| Delinquency Rate | 0.53% | -0.35 pp |
| Return on Assets | 0.41% | -0.09 pp |
| Member Growth | -1.07% | - |
| Loan-to-Share Ratio | 51.51% | -32.39 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Pearl Hawaii filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $544.0M | - |
| 2025Q4 | $523.4M | 31,443 |
| 2024Q4 | $471.3M | 31,782 |
| 2023Q4 | $439.1M | 31,412 |
Credit Union Details
- Charter Number
- 1961
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Hawaii
- City
- WAIPAHU
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, Pearl Hawaii runs 6 offices in 4 different cities.
| Office | City |
|---|---|
| Main Office - Waipio Branch (Main Office) | Waipahu, HI |
| Ewa Branch | Ewa Beach, HI |
| Honolulu Branch | Honolulu, HI |
| Airport Branch | Honolulu, HI |
| Shipyard Branch | Honolulu, HI |
| Waianae Branch | Waianae, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
More federally-insured credit unions based in Hawaii, ordered by peer group match and asset size.
Cross-state Call Report peers for Pearl Hawaii
Using this data
- Pearl Hawaii ranks #1,843 of 4,374 nationally on financial health and #14 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LOKAHI is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LOKAHI
Frequently Asked Questions
Is Pearl Hawaii financially healthy?
On its 2025Q4 NCUA 5300 filing, Pearl Hawaii scores 86/100 (Excellent), with a 10.09% net worth ratio and 0.53% of loans delinquent. It ranks #1,843 of 4,374 nationally on health and #14 of 45 in Hawaii.
How does Pearl Hawaii compare to other credit unions?
Pearl Hawaii scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is delinquency rate (0.53% vs 0.87%). Its widest shortfall is loan-to-share ratio (51.51% vs 83.90%).
How can I join Pearl Hawaii?
Pearl Hawaii operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Pearl Hawaii directly for the exact boundaries and application steps.
Is my money safe at Pearl Hawaii?
Pearl Hawaii is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pearl Hawaii's net worth ratio of 10.09% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.