PEARL HAWAII Credit Union Profile

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PEARL HAWAII

Charter #1961 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (808) 737-4328

Fax: (808) 218-6299

Founding Date: N/A

Website: http://www.pearlhawaii.com

Personnel & Operations

President: TSUJI, RYAN

Manager: TERADA, DANIEL

FT Employees: 66

PT Employees: 7

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 6

Hours: M-F 10-6, S 8-3

Credit Union Profile Summary

PEARL HAWAII is a FCU Credit Union. With a total of 31,969 members [1], this institution manages approximately $498,844,097 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 9.96% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.60% [1].

Financial Snapshot

Total Assets [1]
$498,844,097

Total economic resources.

Total Loans [1]
$242,580,203

Total value of outstanding loans.

Total Deposits [1]
$447,889,020

Total funds deposited by members.

Members [1]
31,969

Number of active members.

Performance Ratios

Net Worth Ratio [1]
9.96%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.35%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
54.16%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 6.86%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.60%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↑ 0.36%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

94-449 UKEE ST

WAIPAHU, HI, 96797
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 6 branches reported by PEARL HAWAII (Charter #1961).

Main Office

Main Office - Waipio Branch Main Office

Type: Corporate Office

94-449 Ukee St

Waipahu, HI 96797

Phone: (808) 737-4328

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Ewa Beach

Ewa Branch

Type: Branch Office

91-1401 Fort Weaver Rd Ste A102

Ewa Beach, HI 96706-2268

Phone: (808) 737-4328

Services: Member Services

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Honolulu

Airport Branch

Type: Branch Office

550 Paiea St Ste 128

Honolulu, HI 96819

Phone: (808) 737-4328

Services: Member Services

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Kapiolani Branch

Type: Branch Office

1580 Makaloa St

Honolulu, HI 96814

Phone: (808) 737-4328

Services: Member Services

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Shipyard Branch

Type: Branch Office

585 Port Royal St

Honolulu, HI 96818

Phone: (808) 737-4328

Services: Member Services

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Waianae

Waianae Branch

Type: Branch Office

85-866 Farrington Hwy

Waianae, HI 96792

Phone: (808) 737-4328

Services: Member Services, ATM

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