Sep, 30, 2025 — PEARL HAWAII FEDERAL CREDIT UNION is a federal credit union headquartered in WAIPAHU, HI with 6 branch locations and about $502.96 million in total assets. Opened 89 years ago in 1937, PEARL HAWAII FEDERAL CREDIT UNION has about 31,699 members and employs 74 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: | 31,699 |
| 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, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $502,957,434 |
| CEO/Manager: | DANIEL TERADA |
| Chairperson: | RYAN TSUJI |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 82,518,461 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 180,070,925 |
| Unsecured Loans | 22,792,422 |
| Other Loans | 39,365,530 |
| TOTAL LOANS | 242,228,877 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,396,278 |
| Land And Building | 7,418,734 |
| Other Fixed Assets | 1,768,120 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 4,136,332 |
| All Other Assets | 106,400 |
| TOTAL ASSETS | 502,957,434 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 998 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,835,734 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 45,175,165 |
| Regular shares | 243,790,555 |
| All Other Shares & Deposits | 160,951,113 |
| TOTAL SHARES & DEPOSITS | 449,916,833 |
| TOTAL LIABILITIES | 453,753,565 |
| Regular Reserve | 0 |
| Other Reserves | -750,981 |
| Undivided Earnings | 49,954,850 |
| TOTAL EQUITY | 49,203,869 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 502,957,434 |
| INCOME & EXPENSE | |
| Loan Income | 8,787,749 |
| Investment Income | 5,636,539 |
| Other Income | 1,461,343 |
| Total Employee Compensation & Benefits | 4,951,249 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 4,940,823 |
| Non-operating Income & (Expense) | 1,868 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 906,002 |
| Cost of Funds | 3,818,548 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 4,228,088 |
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