# PEARL HAWAII
WAIPAHU, HI · NCUA charter 1961 · asset band $500M-1B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pearl-hawaii-1961

Who the members are: federal charter, community charter, organized 1937, low-income designated, minority depository institution. 31,533 members of 953,000 potential (3.3% of the field); checking penetration 53% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $544.0M |
| Members | 31,533 (-1.0% YoY) |
| Full-time staff | 65 |
| Net worth | $54.9M |
| Net worth ratio | 10.1% (p44 of band) |
| ROA (annualized) | 2.22% (p99 of band) |
| Total delinquency | 0.37% (p28 of band) |
| Net charge-offs (annualized) | 0.72% (p76 of band) |
| Loans / shares | 50% (p6 of band) |
| Cash / assets | 16.2% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.68% (p9 of band) |
| Operating expense / assets | 2.43% (p11 of band) |
| Vehicles % of loans | 14% (p17 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 71% |
| Third-party paper % of net worth | 44% (p35 of band) |
| Vehicle delinquency | 0.52% (p44 of band) |
| Vehicle NCO | 2.12% (p86 of band) |
| Repossessed % of vehicle book | 0.10% (p64 of band) |
| Real estate % of loans | 76% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 60% |
| Certificates % of member funds | 36% |
| Average share balance | $8,436 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $3.2M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 5% |
| Average loan balance | $22,817 |
| Loans granted, annualized | $68.0M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $3.2M outstanding purchased (5.8% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 11.2% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | delinquency rising |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | delinquency rising |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | net worth falling |  |
| 2019-06 | 0 |  | net worth falling |
| 2019-09 | 1 | 3rd-party paper>100% NW |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | delinquency rising |  |
| 2020-06 | 3 | net worth falling |  |
| 2020-09 | 2 |  | delinquency rising |
| 2020-12 | 2 | charge-offs p90 | 3rd-party paper>100% NW |
| 2021-03 | 2 | margin squeeze | charge-offs p90 |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | charge-offs p90 | net worth falling, margin squeeze |
| 2022-03 | 1 | delinquency rising | charge-offs p90 |
| 2022-06 | 0 |  | delinquency rising |
| 2022-09 | 0 |  |  |
| 2022-12 | 0 |  |  |
| 2023-03 | 0 |  |  |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 2 | delinquency rising |  |
| 2024-06 | 1 |  | assets shrinking |
| 2024-09 | 2 | net worth falling |  |
| 2024-12 | 2 | repo signal | net worth falling |
| 2025-03 | 0 |  | delinquency rising, repo signal |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-21 [Best Certificates of Deposit Rates in Hawaii for 2026 - MoneyRates](https://news.google.com/rss/articles/CBMiZEFVX3lxTE83R2IwVEhYRHlJZ0JMV0ZidUZvMkVqNk55Nl9odG55dk5Bdlp5WUxPQ29DcWk0bGpoVlRZbVpMMlVvRDhmNGs5X2p1YkcxSlFrcldlYlh0cjh6eFQyVlhBSXJnZ04?oc=5) · MoneyRates
- 2020-04-03 [Hawai‘i’s Best Places to Work 2020 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMickFVX3lxTFBuQ0ljc0FnTDBVcm9JSEtMMTR3SU9hd19rSzVtbXB3cEV2Tjg3Q21pNDJXT0hMTUt0amIteVdhUmEzbzlkR3pzUEVZcHY5TlhmU19nanlfdWRMWUM3czd0dkUzV3VYR0R3b2NxdzN2WHk1QQ?oc=5) · Hawaii Business Magazine
- 2025-09-16 [Teacher surprised with $1,000 gift card during Extra Yard for Teachers Week - Hawaii News Now](https://news.google.com/rss/articles/CBMisAFBVV95cUxPbFJWQS1sOEhqNjFWWDN6Wlh4VWU0aDN5UlhJMUptMUt3RzJNNDdMNkQ3Sl9VM0UyVHN4MUZibzZYbVpELXUtZy1oeU1tcVJqc0d4X01TeUQ2cUI0d1BrbkRzblZlenBZeDFqeXFYNDMxQmJRMkxMS1JUbGo5VVdaZzBuU09GVXpKVVBQcE9ob25QLW9QN2t0VjVxaUtJTzZtZEFrZjZwdEVqSldQM2JsN9IBxAFBVV95cUxPWlUyREp4QjlGdVlRcDF3cXJEY0RxdFliMnpfZG5sQnpOekx3TTZzRWFmNWZ3Ql8wbWNuU1RjV090UXBmaFZoMWtidzdES2lJOU5UeEQtcEgxZGlQWnlkaGMxRGdCX1o1VUJUVklhWDUzcFFvRU9zY1pFVVdaZ29HUUEwQXNBcl92cHBLdDJXZlNLNjAwTXczbDcxYy10R3plTDVvVkpQa0NidHpJa3gwUVdQTnJ6X1RDUXFCTTltMlBvalJv?oc=5) · Hawaii News Now
- 2021-03-29 [Hawai‘i’s Best Places to Work 2021 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMickFVX3lxTE9xaFdLTnlUUnVWbEFxaElYMDE4bnF4Vmxva0ZEcGJoMWJET1hJeW1NbnN3c09BU0c5MEZMLXBFM05XWFdwTElMZ3hkT2RTbl9VZDVoS2ZOeFdTd0pBZ1phdUdlRkpTczlNZTNoc2J0V3JRdw?oc=5) · Hawaii Business Magazine
- 2019-03-29 [Best Places to Work 2019 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiakFVX3lxTE1sU1lTQjN2dWlKU3I3cWFPa1NQWk82ZlQ0QndqbW1UT3FBQXBwcUI4VmtsbldaZDh1SndHT0k5MW90Z3ZFVVNpM0pTajZ0R1RjSW1ydm0yT1J2RzhwRl9XSXdDNVBROGZ0TkE?oc=5) · Hawaii Business Magazine
- 2016-04-07 [Best Places to Work 2016 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiZ0FVX3lxTFBnR0tMR1JvNnp6MWFOTlBLM0d1Z1ZQZUI0MktCR2JBSkZSdXcxRzZ4TUpZY3N6azZXNzJxRWNsR05yRlpSSVpmWm13MnFubWhEVExvR2V6Ukd4ODA4cGwzRHdlQ25Qa2s?oc=5) · Hawaii Business Magazine
- 2017-03-31 [Best Places to Work 2017 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiakFVX3lxTE93RDMzV1JWNUp0SnE0aGRFRTVyX0Y4MndDVGYwYTNzcnphQTVuQjJBTE56eFVDV0IweHRKcEFoQmlybTBWQUoxLUVKdWxOWV95VWpGNTRILVIzMlhFLUNHZlNlTHhhdTZCa2c?oc=5) · Hawaii Business Magazine
- 2018-04-11 [Best Places to Work 2018 - Page 4 of 8 - Hawaii Business Magazine](https://news.google.com/rss/articles/CBMiakFVX3lxTFB4dVRDamlqSWdkM21Pd09tNEJ3eWVRYS12eDVtQnB4LXAybWUzeGRFNjJfVDQ1U3F5b08zdWo5cEF4UW92NHVGNEwxalFUdl9QN0tjSHdTbEV6T2txa3FnMzMwNjlwRnBlM1E?oc=5) · Hawaii Business Magazine

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=1961 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/41.json (key "1961", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=1961
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide