Pearl Hawaii

WAIPAHU, HI · 1 · Charter #1961 · www.pearlhawaii.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$523.4M
61th percentile
Members
31,443
57th percentile
Total loans
$241.3M
34th percentile
Total shares
$468.4M
62th percentile

Profitability

Return on assets
1.29%
72th percentile
Net interest margin
2.72%
12th percentile
Efficiency ratio
51.94%
76th percentile
Non-interest income ratio
21.97%
69th percentile

Capital & Risk

Net worth ratio
9.91%
33th percentile
Delinquency rate
0.53%
67th percentile
Net charge-off rate
0.57%
34th percentile
Loan-to-share
51.51%
6th percentile

Growth

Member growth YoY
-1.07%
32th percentile
Asset growth YoY
11.05%
90th percentile
Loan growth YoY
-2.55%
16th percentile
Share growth YoY
10.06%
88th percentile

Operations

Members / branch
5,241
61th percentile
Assets / member
$16,646
55th percentile
Field of membership penetration
3.30%
41th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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