Waipahu, Hawaii · Peer group 6
Pearl Hawaii Credit Union
Pearl Hawaii Credit Union holds $544.0M in assets across 31,533 members as of Q1 2026 — about $17K of assets per member, on a charter dating to 1937. Charter number 1961, in the $500M-$1B asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $544.0M |
|---|---|
| Total loans | $244.1M |
| Total shares (deposits) | $486.6M |
| Net worth | $54.9M |
| Members | 31,533 |
| Assets per member | $17K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 11.6% | |
|---|---|---|
| Loans | 0.4% | around the 23rd percentile of its peer group |
| Deposits | 11.2% | higher than 92% of its peer group |
| Members | -1.0% | around the 25th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 50.2% | lower than 96% of its peer group |
|---|---|---|
| Net worth ratio | 10.1% | around the 38th percentile of its peer group |
| Return on assets | 2.22% | higher than 99% of its peer group |
| Delinquency ratio | 0.37% | around the 25th percentile of its peer group |
| Cash / assets | 16.2% | higher than 92% of its peer group |
| Borrowings / assets | 0.0% | around the 19th percentile of its peer group |
What this page does not show
Everything above is Pearl Hawaii Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Hawaii — the comparison set a peer ratio is measured against.
- Maui County Credit Union
Wailuku, HI
$479.5M · 20,767 members
- CU Hawaii
Hilo, HI
$453.2M · 29,596 members
- Honolulu Credit Union
Honolulu, HI
$418.1M · 19,786 members
- Lokahi Credit Union
Honolulu, HI
$709.3M · 45,557 members
- Hawaii Central Credit Union
Honolulu, HI
$311.3M · 16,294 members
- Hawaii Community Credit Union
Kailua Kona, HI
$805.0M · 45,859 members
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