Dec, 31, 2023 — PEARL HAWAII FEDERAL CREDIT UNION is a federal credit union headquartered in WAIPAHU, HI with 6 branch locations and about $439.06 million in total assets. Opened 87 years ago in 1937, PEARL HAWAII FEDERAL CREDIT UNION has about 31,412 members and employs 78 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PEARL HAWAII FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 94-449 Ukee St WAIPAHU, HI 96797 |
| Phone: | (808) 737-4328 |
| Fax: | (808) 218-6299 |
| Website: | https://www.pearlhawaii.com |
| Branches: | 6 branch locations |
| Members: | 31,412 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 1961 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1937 |
| Last Audited: | Dec 01, 2022 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $439,061,376 |
| CEO/Manager: | DANIEL TERADA |
| Chairperson: | Gordon Sam |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 32,055,168 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 179,437,233 |
| Unsecured Loans | 21,433,793 |
| Other Loans | 55,500,474 |
| TOTAL LOANS | 256,371,500 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,569,514 |
| Land And Building | 7,759,088 |
| Other Fixed Assets | 1,559,393 |
| NCUSIF Deposit | 3,932,272 |
| All Other Assets | 63,195 |
| TOTAL ASSETS | 439,061,376 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,587,643 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 42,069,512 |
| Regular shares | 250,763,729 |
| All Other Shares & Deposits | 105,914,882 |
| TOTAL SHARES & DEPOSITS | 398,748,125 |
| TOTAL LIABILITIES | 402,335,768 |
| Regular Reserve | 0 |
| Other Reserves | -1,445,032 |
| Undivided Earnings | 38,170,640 |
| TOTAL EQUITY | 36,725,608 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 439,061,376 |
| INCOME & EXPENSE | |
| Loan Income | 10,024,050 |
| Investment Income | 3,833,509 |
| Other Income | 1,644,548 |
| Total Employee Compensation & Benefits | 6,493,339 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 5,356,125 |
| Non-operating Income & (Expense) | -375 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,152,988 |
| Cost of Funds | 1,945,663 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 2,267,172 |
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