Dedicated to Deposits: Deals, Data, and Discussion
Featured Savings Rates
Featured Accounts
Overview / Commentary
94-449 Ukee St
Waipahu, HI 96797

Pearl Harbor Credit Union is headquartered in Waipahu and is the 10st largest credit union in the state of Hawaii. It is also the 631st largest credit union in the nation. It was established in 1937 and as of March of 2014, it had grown to 71 employees and 25,594 members. Pearl Harbor Credit Union has a B+ health rating.

Field of Membership Restrictions

Must live, work, worship or attend school in the island of Oahu. - See Details

No reviews have been left for this bank yet. Be the first to review.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Pearl Harbor Credit Union had $752,000 in non-current loans and owned real-estate with $31.34 million in equity and loan loss allowances on hand to cover it. This gives Pearl Harbor Credit Union a Texas Ratio of 2.40% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Pearl Harbor Credit Union experienced no significant changes from 2.55% as of March 31, 2013 to 2.40% as of March 31, 2014, resulting in a positive change of 6.07%.This indicates that the balance sheet and financial strength for Pearl Harbor Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Pearl Harbor Credit Union has increased its total deposits by $347,000, resulting in 0.11% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pearl Harbor Credit Union has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pearl Harbor Credit Union has $341.01 million in assets with $31.34 million in equity, resulting in a capitalization level of 9.19%, which is average.

Institution Statistics

NCUA #1961
Year Chartered1937
Primary Regulator
Assets and Liabilities
Assets$341.01 million
Loans$139.07 million
Deposits$309.35 million
Equity Capital$30.81 million
Loan Loss Allowance$526,000
Unbacked Noncurrent Loans$239,000
Real Estate Owned$513,000
Historic Data - March 2013
Assets$340.93 million
Equity Capital$31.11 million
Loan Loss Allowance$834,000
Unbacked Noncurrent Loans$239,000
Real Estate Owned$513,000
Profit Margin - Quarterly
Return on Assets0.06%
Return on Equity0.62%
Interest Income$2.01 million
Skip to rates for:

Always verify rates and promotions with the bank or credit union. We are not Pearl Harbor Credit Union, we are a rate comparison website and can not provide official rates or promotions.

Pearl Harbor Credit Union Savings Account Rates

0.20%--IRA Regular Savings
0.20%--Jumbo Savings
0.20%--Roth IRA Savings
0.10%--Regular Share Savings

Pearl Harbor Credit Union CD Rates

0.40%$1k-1 Year CD
0.30%$1k-30 to 364 Days CD

Pearl Harbor Credit Union IRA Rates

0.40%--1 Year IRA CD

Pearl Harbor Credit Union Locations
Branch Office1580 Makaloa StHonolulu, HI 96814
Branch Office585 Port Royal StHonolulu, HI 96818
Branch Office94-449 Ukee StWaipahu, HI 96797
Branch Office550 Paiea St Ste 128Honolulu, HI 96819
Branch Office846 S Hotel St Ste 101Honolulu, HI 96813