Pearl Hawaii Federal Credit Union
Pearl Hawaii Federal Credit Union is headquartered in Waipahu and is the 10th largest credit union in the state of Hawaii. It is also the 742nd largest credit union in the nation. It was established in 1937 and as of June of 2022, it had grown to 68 employees and 30,688 members at 6 locations. Pearl Hawaii Federal Credit Union has a B+ health rating.
Field of Membership Restrictions
Pearl Hawaii Federal Credit Union is open to those who live, work, worship, or go to school on O’ahu. Membership is also open to family and household members of those eligible.
See current membership details
Best CD Rates
I've been a member of Pearl Hawaii Federal Credit Union for nearly 10 years and had no clue that they had CDs until recently. Their rates are some of the highest on Oahu. I had a bunch of short term Certificates at a variety of places and decided to shift them all over. I had no problems and Pearl Hawaii had the best customer service. They were super friendly, answered all of my questions, and my rate is much better than what I was receiving at the other banks. Their mobile services have improved greatly this past year so I don't have to go into one of their many locations. I can literally do everything online... Unlike all of these online companies, I can bank with a place I trust and go in if I need to. I like that reassurance.
Data as of Q2 2022
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 1961 |
| Year Chartered | 1937 |
| Employees | 68 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.36% |
| Return on Equity - YTD | 5.2% |
| Annual Interest Income | $5.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2022vs Q2 2021 | $463.8MM$452.8MM |
| Loans | Q2 2022vs Q2 2021 | $238.1MM$212.6MM |
| Deposits | Q2 2022vs Q2 2021 | $427.9MM$405.7MM |
| Equity Capital | Q2 2022vs Q2 2021 | $32.4MM$43.5MM |
| Loan Loss Allowance | Q2 2022vs Q2 2021 | $1.1MM$1.2MM |
| Unbacked Noncurrent Loans | Q2 2022vs Q2 2021 | $941.00K$987.00K |
| Real Estate Owned | Q2 2022vs Q2 2021 | $0$0 |