Pearl Hawaii Federal Credit Union

Headquarters: Waipahu, Hawaii
Charter: Credit Union
Assets: $545.1M
Fed district: San Francisco
Regulator: NCUA

Explore Hamilton View published fees

Compared with the U.S.

4 of 13

compared fees are above the median.

4 below, 5 about the same.

About the same: within 1% of the median.

Overview

Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
of 13 compared; 4 below, 5 about the same
See the fees
Fee schedule read Oct 25, 2026

How these figures are measured

Call-report figures are for Pearl Hawaii Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	NCUA 5300 call report Account 010	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Revenue	Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 115 + Account 117	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee income	Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed)	NCUA 5300 call report Account 131	Q2 2026 Quarter ended Jun 30, 2026	Oct 20, 2026
Fee-income share of revenue	Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Shown when at least 10 credit unions of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	Pearl Hawaii Federal Credit Union's published fee schedule; Bank Fee Index medians	Current schedule	Oct 25, 2026

Fee income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: NCUA 5300 call report
Entity: Pearl Hawaii Federal Credit Union (credit union)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

What stands out

Fee income was $511K in Q2 2026, 8.7% above the same quarter a year earlier ($470K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
4 of 13 compared published fees sit above the U.S. median; 4 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Deposited Item Return
Pearl Hawaii Federal Credit Union: $25
Pearl Hawaii Federal Credit Union: $25
San Francisco district median: $20228 publishU.S. median: $151,947 publish
Overdraft (OD)
Pearl Hawaii Federal Credit Union: $30
Pearl Hawaii Federal Credit Union: $30
San Francisco district median: $25285 publishU.S. median: $302,600 publish
NSF / Returned Item
Pearl Hawaii Federal Credit Union: $30
Pearl Hawaii Federal Credit Union: $30
San Francisco district median: $25338 publishU.S. median: $302,859 publish

Published schedulesBanks and credit unionsRead Oct 25, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Hawaii, the San Francisco district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Hawaii: Banks and credit unions headquartered in Hawaii that publish the fee.
San Francisco district: Banks and credit unions headquartered in the San Francisco Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Fee income was about level from Q3 2025 to Q2 2026, at $511K.

Fee income, Q2 2026

$511K

$509KQ3 2025

$534KQ4 2025

$495KQ1 2026

$511KQ2 2026

Against the median (U.S. for fees)

Overdraft$30 / $30

Pearl Hawaii Federal Credit UnionMedian

Sources and open questions

NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.

Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.

Which fees make up most of fee income, and has that mix changed?

Among its peers

Pearl Hawaii Federal Credit Union · $545M in assets

The 25 credit unions closest in assets

Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.

Credit unions only
$520M to $572M in assets
Headquartered in 19 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
Pearl Hawaii Federal Credit Union(this institution)	Waipahu, HI	$545M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Argent Federal Credit Union	Chesterfield, VA	$572M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Arlington Community Federal Credit Union	Arlington, VA	$538M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
City Of Boston Federal Credit Union	South Boston, MA	$544M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Coastlife Federal Credit Union	Corpus Christi, TX	$520M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Dutch Point Federal Credit Union	Wethersfield, CT	$565M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Publishes Overdraft
First U.S. Community Federal Credit Union	Sacramento, CA	$548M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Freedom Of Maryland Federal Credit Union	Bel Air, MD	$557M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Lebanon Federal Credit Union	Lebanon, PA	$540M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Mid American Federal Credit Union	Wichita, KS	$532M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Mutual Federal Credit Union	Vicksburg, MS	$529M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Otero Federal Credit Union	Alamogordo, NM	$535M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
Oucu Financial Credit Union, Inc.	Athens, OH	$527M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
Partners 1St Federal Credit Union	Fort Wayne, IN	$546M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Peake Federal Credit Union	Towson, MD	$534M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Pittsford Federal Credit Union	Pittsford, NY	$542M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Resource One Federal Credit Union	Dallas, TX	$555M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Servu Federal Credit Union	Painted Post, NY	$529M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Overdraft not published
Simplicity Federal Credit Union	Marshfield, WI	$547M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Soarion Federal Credit Union	San Antonio, TX	$556M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Spectra Federal Credit Union	Alexandria, VA	$544M	Monthly maintenance not published	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Sunwest Federal Credit Union	Glendale, AZ	$525M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Overdraft not published
The Southern Federal Credit Union	Fayetteville, GA	$560M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
U. T. Federal Credit Union	Knoxville, TN	$554M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
University Federal Credit Union	Orono, ME	$538M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Westerly Community Federal Credit Union	Wakefield, RI	$520M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft

✓ publishes the fee. – not published.

25 peers selected · 16 publish this fee(monthly maintenance)

9 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Pearl Hawaii Federal Credit Union does not publish a monthly maintenance fee in the index.

The peer median is $5 among 16 publishing peers.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026.

Monthly maintenance fee in dollars, one mark per institution

Pearl Hawaii Federal Credit Union does not publish a monthly maintenance fee, so it is not on this chart.

Pearl Hawaii Federal Cred…Peer (equal prices stack)Peer medianInclude $15 outlierShown past the axis break, not to scale, so the rest of the set has room.

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Oct 25, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for Pearl Hawaii Federal Credit Union (credit union). Income lines are standalone quarters.

Measure

Fee income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $511K
vs prior quarter: +$16K+3.2%; from Q1 2026
vs a year earlier: +$41K+8.7%; from Q2 2025
vs start of range: −$25K−4.7%; from Q3 2024

Details

Source: NCUA 5300 call report
Entity: Pearl Hawaii Federal Credit Union (credit union)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Fee income (NCUA 5300 Account 131)
Calculation: Standalone quarter: year to date less the prior quarter (Q1 as filed)
Fields: Account 131
Retrieved: Oct 20, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$511K	+$16K	+3.2%
Q1 2026	$495K	−$39K	−7.3%
Q4 2025	$534K	+$25K	+4.9%
Q3 2025	$509K	+$39K	+8.3%
Q2 2025	$470K	−$12K	−2.5%
Q1 2025	$482K	−$61K	−11.2%
Q4 2024	$543K	+$7K	+1.3%
Q3 2024	$536K	+$96K	+21.8%

Fee-income share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from Pearl Hawaii Federal Credit Union’s own schedules, with a source for each figure.

vs. the U.S. middle 50%:BelowInsideAbove

Account Maintenance

Account Reconciliation per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research per hour$25
Not compared: Charged per hour; comparison unavailable
per hour
Coin Deposits: Bad Address Locator Fee$5
Below the U.S. middle 50% ($6.44 to $25 nationally)
per item
Statement Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

Non-Sufficient Fund (Item Paid)$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Overdraft Privilege$30
Inside the U.S. middle 50% ($25 to $33 nationally)
per item
Non-Sufficient Funds$30
Inside the U.S. middle 50% ($25 to $32 nationally)
per item

ATM & Card

Replacement (lost) ATM/Debit Card$15
Above the U.S. middle 50% ($5 to $10 nationally)
per item

Check Services

Stop Payment Order$30
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Stop Payment Order on Credit Union Check$30
Inside the U.S. middle 50% ($20 to $30 nationally)
per item
Temporary Checks$2
Inside the U.S. middle 50% ($1 to $4 nationally)
per item
Check Cashing- MembersNo charge
Below the U.S. middle 50% ($5 to $10 nationally)
Copy of Checks$3
Inside the U.S. middle 50% ($2 to $5 nationally)
per item

Digital & Electronic

Bill PaymentNo charge
Inside the U.S. middle 50% ($0 to $6 nationally)

Cash & Deposit

Deposited Checks Returned$25
Inside the U.S. middle 50% ($9 to $25 nationally)
per item

Account Services

3x10 Annual Rental Fee$50
Inside the U.S. middle 50% ($32.50 to $60 nationally)
per year
5x10 Annual Rental Fee$75
Above the U.S. middle 50% ($32.50 to $60 nationally)
per year
Garnishment$50
Inside the U.S. middle 50% ($30 to $87.50 nationally)
Levy$50
Inside the U.S. middle 50% ($30 to $87.50 nationally)
Services of Legal Process$50
Inside the U.S. middle 50% ($50 to $150 nationally)
Subpoena$50
Inside the U.S. middle 50% ($50 to $150 nationally)

Fee	Amount	Basis	Note
Account Maintenance
Account Reconciliation per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research per hour	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Coin Deposits: Bad Address Locator Fee	$5Below the U.S. middle 50% ($6.44 to $25 nationally)	per item	None
Statement Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
Non-Sufficient Fund (Item Paid)	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Overdraft Privilege	$30Inside the U.S. middle 50% ($25 to $33 nationally)	per item	None
Non-Sufficient Funds	$30Inside the U.S. middle 50% ($25 to $32 nationally)	per item	None
ATM & Card
Replacement (lost) ATM/Debit Card	$15Above the U.S. middle 50% ($5 to $10 nationally)	per item	None
Check Services
Stop Payment Order	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Stop Payment Order on Credit Union Check	$30Inside the U.S. middle 50% ($20 to $30 nationally)	per item	None
Temporary Checks	$2Inside the U.S. middle 50% ($1 to $4 nationally)	per item	None
Check Cashing- Members	No chargeBelow the U.S. middle 50% ($5 to $10 nationally)	Not stated	None
Copy of Checks	$3Inside the U.S. middle 50% ($2 to $5 nationally)	per item	None
Digital & Electronic
Bill Payment	No chargeInside the U.S. middle 50% ($0 to $6 nationally)	Not stated	None
Cash & Deposit
Deposited Checks Returned	$25Inside the U.S. middle 50% ($9 to $25 nationally)	per item	None
Account Services
3x10 Annual Rental Fee	$50Inside the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
5x10 Annual Rental Fee	$75Above the U.S. middle 50% ($32.50 to $60 nationally)	per year	None
Garnishment	$50Inside the U.S. middle 50% ($30 to $87.50 nationally)	Not stated	None
Levy	$50Inside the U.S. middle 50% ($30 to $87.50 nationally)	Not stated	None
Services of Legal Process	$50Inside the U.S. middle 50% ($50 to $150 nationally)	Not stated	None
Subpoena	$50Inside the U.S. middle 50% ($50 to $150 nationally)	Not stated	None

Correct a fee source

Oct 25, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Branches and public record

Where Pearl Hawaii Federal Credit Union operates, and what regulators and customers have on file.

Branch footprint

6 offices in 1 state (June 30, 2026)

Each dot is one office.

This credit unionOther banks and credit unions

1 is shown at the middle of its town until the exact address is found.

Cities with the most offices

Honolulu, HI	3
Ewa Beach, HI	1
Waianae, HI	1
Waipahu, HI	1

Largest competitors nearby

Local market: Honolulu county, HI, around its headquarters.

34 in its local market	Deposit share
First Hawaiian Bank	32.6%
Bank of Hawaii	32%
American Savings Bank, National Association	14.6%
Central Pacific Bank	12.2%
Bank of Hope	3.2%

Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.

Fee change alerts

Get an email when Pearl Hawaii Federal Credit Union's ach origination changes in our data

We check once a day and send one email covering every change.