Federal credit union · HILO, Hawaii · NCUA charter #2705
HELCO
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $44.4M
- Total assets
- 1,371
- Members
- 19.2%
- Net-worth ratio
HELCO scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $44.4M; members 1,371; net-worth ratio 19.21%; health rank #2,691 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,691 of 4,374 health · 2025Q4HELCO · health 80/100 · $44.4M · 2025Q4
Call Report peers
HELCO in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HELCO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HELCO sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HELCO: Call Report deltas vs peers
- Net Worth Ratio leads the peer set - 19.21% here, 14.86% peer average (+4.35 pp).
- Widest shortfall vs peers is Return on Assets: -0.72 pp (-0.02% vs 0.70%).
HELCO in Hawaii
- Health composite ranks #30 of 45 among scored Hawaii credit unions.
- Hawaii assets place: #32 of 45.
- Membership ranks #41 of 45 among Hawaii CUs with a reported count (1,371 members).
- One place up in Hawaii, GLOVER (#29) ties at 80/100; one place down, Maui Teachers (#31) ties at 80/100.
How HELCO's 5300 filing moved
HELCO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $44.4M (2025Q4) to $45.4M (2026Q1).
- Net-worth ratio shifted -0.41 pp (19.62% → 19.21%).
At 19.21%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
HELCO gives up 20 points in total. Return on Assets costs the most, 10.7 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.3 pts
- Member Growth 8.0 pts
- Loan-to-Share Ratio 12.7 pts
Call Report ratios for HELCO
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 19.21% | +4.35 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | -0.02% | -0.72 pp |
| Member Growth | -0.58% | - |
| Loan-to-Share Ratio | 61.03% | +1.23 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - HELCO
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $45.4M | - |
| 2025Q4 | $44.4M | 1,371 |
| 2024Q4 | $43.2M | 1,379 |
| 2023Q4 | $42.6M | 1,409 |
Credit Union Details
- Charter Number
- 2705
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Hawaii
- City
- HILO
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, HELCO runs one office.
| Office | City |
|---|---|
| HELCO FCU (Main Office) | Hilo, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
More federally-insured credit unions based in Hawaii, ordered by peer group match and asset size.
Other-state peers near HELCO
Using this data
- HELCO ranks #2,691 of 4,374 nationally on financial health and #30 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- WAIALUA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with WAIALUA
Frequently Asked Questions
Is HELCO financially healthy?
HELCO has a financial health score of 80/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,691 of 4,374 nationally on health and #30 of 45 in Hawaii. Its net worth ratio is 19.21% and its delinquency rate 0.00%.
How does HELCO compare to other credit unions?
HELCO scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (19.21% vs 14.86%). Its widest shortfall is return on assets (-0.02% vs 0.70%).
How can I join HELCO?
HELCO operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HELCO directly for the exact boundaries and application steps.
Is my money safe at HELCO?
HELCO is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HELCO's net worth ratio of 19.21% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.