PEARL HAWAII
Charter #1961 · WAIPAHU, HI · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 2.26% ranks in the 98th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.72% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 49.43% ranks in the 3rd percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 20th percentile but its structural peers at the 56th — a 36-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PEARL HAWAII | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $543.96M | 13th pct | 46th pct |
| Members | 31,533 | 20th pct | 56th pct |
| Net worth ratio | 10.09% | 44th pct | 31th pct |
| Return on average assets | 2.26% | 99th pct | 98th pct |
| Net interest margin | 2.74% | 10th pct | 28th pct |
| Cost of funds | 1.24% | 35th pct | 44th pct |
| Loan-to-share | 50.15% | 6th pct | 23th pct |
| Delinquency 60+ days | 0.37% | 28th pct | 49th pct |
| Net charge-off ratio | 0.72% | 77th pct | 93th pct |
| Loan growth YoY | 0.76% | 50th pct | 56th pct |
| Share growth YoY | 8.16% | 92th pct | 97th pct |
| Efficiency ratio | 49.43% | 2th pct | 3th pct |
structural peer set hash: 04d651cc903802ee65e6e30deecf7246… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.