TellerScore

Pearl Hawaii Federal Credit Union (NCUA charter #1961) is based in Waipahu, Hawaii. Its Q2 2026 call report shows $545.1M in total assets and $488.1M in member shares and deposits and 4 offices.

Pearl Hawaii Federal Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 71% of its 1,341 credit unions with $100 million – $1 billion. Among 45 credit unions headquartered in Hawaii, it ranks 20th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 4% uninsured); capital cushion contributes the least (52/100, 10.19%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Net worth ratio: 10.19%
Loan quality86/100
Loans 60+ days delinquent ÷ total loans: 0.42%
Earnings74/100
Return on assets (annualized): 1.34%
Funding & liquidity100/100
Loans ÷ shares: 52.2% · 3.5% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.12%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 77).

TellerScore
647382Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202465
Q4 202465
Q1 202580
Q2 202576
Q3 202574
Q4 202572
Q1 202682
Q2 202677
Net worth ratio
7.00%8.59%10.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.67%
Q3 20249.65%
Q4 20249.85%
Q1 20259.99%
Q2 20259.96%
Q3 202510.07%
Q4 20259.91%
Q1 202610.09%
Q2 202610.19%
Delinquent loans (60+ days)
0.33%0.54%0.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20240.69%
Q4 20240.75%
Q1 20250.35%
Q2 20250.33%
Q3 20250.48%
Q4 20250.53%
Q1 20260.37%
Q2 20260.42%
Return on assets
0.35%1.28%2.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.43%
Q4 20240.46%
Q1 20251.86%
Q2 20251.32%
Q3 20251.12%
Q4 20251.06%
Q1 20262.22%
Q2 20261.34%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$545.1M10.19%0.42%1.34%52.2%
Q1 202682$544.0M10.09%0.37%2.22%50.2%
Q4 202572$523.4M9.91%0.53%1.06%51.5%
Q3 202574$503.0M10.07%0.48%1.12%53.8%
Q2 202576$498.8M9.96%0.33%1.32%54.2%
Q1 202580$487.4M9.99%0.35%1.86%55.5%
Q4 202465$471.3M9.85%0.75%0.46%58.2%
Q3 202465$475.4M9.65%0.69%0.43%58.9%
Q2 202464$466.8M9.67%0.75%0.35%59.9%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.19%
32nd
Problem loans0.42%
72nd
Net charge-offs0.54%
32nd
Return on assets1.34%
83rd
Loans to deposits52.2%
88th
Uninsured deposits3.5%
77th
Loan-loss reserves0.00%
50th
Texas ratio2.1%
74th

Similar-size credit unions in Hawaii

InstitutionScoreAssetsCapitalProblem loansCompare
Maui County Federal Credit UnionCredit union Wailuku, HI68 out of 100, Moderate$487.5M14.0%2.09%vs
CU Hawaii Federal Credit UnionCredit union Hilo, HI74 out of 100, Strong$460.3M11.0%0.33%vs
Honolulu Federal Credit UnionCredit union Honolulu, HI70 out of 100, Strong$423.3M12.8%1.36%vs
Lokahi Federal Credit UnionCredit union Honolulu, HI66 out of 100, Moderate$701.9M9.5%0.39%vs
Hawaii Central Federal Credit UnionCredit union Honolulu, HI62 out of 100, Moderate$307.6M10.1%1.43%vs
Hawaii Community Federal Credit UnionCredit union Kailua Kona, HI60 out of 100, Moderate$808.3M9.7%1.32%vs

Deposit insurance

Is my money safe at Pearl Hawaii Federal Credit Union?

Yes. Pearl Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #1961). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.5% of shares and deposits ($17.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.19%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Pearl Hawaii Federal Credit Union lists 4 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pearl Hawaii Federal Credit Union
Type
Federal credit union
NCUA charter #
1961
RSSD ID
198970
Primary regulator
NCUA
Established
1937
Headquarters
94-449 Ukee St, Waipahu, HI 96797
Employees
72

Quick answers

Pearl Hawaii Federal Credit Union: common questions

Is Pearl Hawaii Federal Credit Union NCUA insured?

Yes. Pearl Hawaii Federal Credit Union is a federally insured credit union (NCUA charter #1961). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pearl Hawaii Federal Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pearl Hawaii Federal Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waipahu

InstitutionScoreAssetsCapitalProblem loansCompare
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Hawaii Federal Credit UnionCredit union Honolulu, HI89 out of 100, Very strong$104.0M15.2%0.23%vs
Waialua Federal Credit UnionCredit union Waialua, HI88 out of 100, Very strong$47.4M17.8%0.16%vs
Ewa Federal Credit UnionCredit union Ewa Beach, HI86 out of 100, Very strong$13.1M23.9%0.65%vs
Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$37.1M18.4%1.02%vs
Hawaii Schools Federal Credit UnionCredit union Honolulu, HI83 out of 100, Strong$78.9M13.2%0.18%vs