Pearl Hawaii
Pearl Hawaii is a credit union based in Waipahu, Hawaii, established in 1937, with $544 million in total assets serving 31,533 members. By Trust Grade it ranks 29th of 45 credit unions we track in Hawaii. Its net worth ratio of 10.1% trails most similarly sized credit unions (32th percentile), versus a Hawaii median of 12.6%. It was profitable over the most recent period, with a 2.22% return on assets. No consumer complaints against Pearl Hawaii appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Pearl Hawaii compares to Hawaii peers
How we graded Pearl Hawaii
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.1% capital ratio)
- Strongly profitable (ROA 2.22%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Pearl Hawaii over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Pearl Hawaii insured?
Yes. Pearl Hawaii is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Pearl Hawaii: frequently asked questions
Is Pearl Hawaii a good credit union?
Pearl Hawaii earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (10.1% capital ratio); Strongly profitable (ROA 2.22%).
Is Pearl Hawaii NCUA-insured?
Yes. Pearl Hawaii is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Pearl Hawaii?
Pearl Hawaii holds $544 million in total assets, ranking 29th of 45 credit unions we track in Hawaii. It serves 31,533 members.
Does Pearl Hawaii have CFPB complaints?
No CFPB complaints against Pearl Hawaii appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
