Dec, 31, 2022 — PEARL HAWAII FEDERAL CREDIT UNION is a federal credit union headquartered in WAIPAHU, HI with 6 branch locations and about $459.34 million in total assets. Opened 86 years ago in 1937, PEARL HAWAII FEDERAL CREDIT UNION has about 30,870 members and employs 73 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: | 30,870 |
| 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, 2021 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $459,340,741 |
| CEO/Manager: | DANIEL TERADA |
| Chairperson: | Gordon Sam |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 35,895,596 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 167,768,273 |
| Unsecured Loans | 16,042,889 |
| Other Loans | 55,102,492 |
| TOTAL LOANS | 238,913,654 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,304,029 |
| Land And Building | 8,009,457 |
| Other Fixed Assets | 312,785 |
| NCUSIF Deposit | 4,089,192 |
| All Other Assets | 120,732 |
| TOTAL ASSETS | 459,340,741 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 14,892 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 3,367,885 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 44,040,851 |
| Regular shares | 300,187,845 |
| All Other Shares & Deposits | 80,788,690 |
| TOTAL SHARES & DEPOSITS | 425,017,386 |
| TOTAL LIABILITIES | 428,400,163 |
| Regular Reserve | 0 |
| Other Reserves | -4,570,291 |
| Undivided Earnings | 35,510,869 |
| TOTAL EQUITY | 30,940,578 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 459,340,741 |
| INCOME & EXPENSE | |
| Loan Income | 6,551,734 |
| Investment Income | 2,504,768 |
| Other Income | 1,137,225 |
| Total Employee Compensation & Benefits | 4,688,338 |
| NCUSIF Premiums Expense | 0 |
| Total Other Operating Expenses | 3,848,906 |
| Non-operating Income & (Expense) | -3 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 924,217 |
| Cost of Funds | 615,640 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 974,611 |
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