State credit union · Panama City, Florida · NCUA charter #63262
HELLO
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $157.4M
- Total assets
- 10,785
- Members
- 14.3%
- Net-worth ratio
HELLO scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $157.4M; members 10,785; net-worth ratio 14.28%; health rank #2,249 of 4,374; healthier than 46th of scored peers.
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HELLO vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HELLO sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
HELLO: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 77.14% here, 72.20% peer average (+4.94 pp).
- Return on Assets trails the peer set - 0.42% here, 0.62% peer average (-0.20 pp).
Florida standing for HELLO
- Health composite ranks #71 of 109 among scored Florida credit unions.
- Assets rank #60 of 109 inside Florida ($157.4M reported).
- Membership ranks #60 of 109 among Florida CUs with a reported count (10,785 members).
- One place up in Florida, Metro North (#70) ties at 83/100; one place down, Madison Education Assoc. (#72) ties at 83/100.
HELLO Call Report trajectory
HELLO: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $157.4M (2025Q4) to $159.3M (2026Q1).
- Net-worth ratio shifted -0.09 pp (14.37% → 14.28%).
This credit union's 14.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 83/100 score is built
HELLO gives up 17 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 24.2 pts
- Return on Assets 13.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.28% | +2.17 pp |
| Delinquency Rate | 0.58% | -0.32 pp |
| Return on Assets | 0.42% | -0.20 pp |
| Member Growth | -6.34% | - |
| Loan-to-Share Ratio | 77.14% | +4.94 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $159.3M | - |
| 2025Q4 | $157.4M | 10,785 |
| 2024Q4 | $163.3M | 11,515 |
| 2023Q4 | $167.5M | 12,152 |
Credit Union Details
- Charter Number
- 63262
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Florida
- City
- Panama City
- Data Quarter
- 2025Q4
Branch Locations (4)
HELLO operates 4 offices across 3 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Panama City, FL |
| Callaway Office | Panama City, FL |
| Beach Office | Panama City Beach, FL |
| Tallahassee Office | Tallahassee, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Other-state peers near HELLO
Using this data
- HELLO ranks #2,249 of 4,374 nationally on financial health and #71 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- First Choice is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with First Choice
Frequently Asked Questions
Is HELLO financially healthy?
HELLO has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,249 of 4,374 nationally on health and #71 of 109 in Florida. Its net worth ratio is 14.28% and its delinquency rate 0.58%.
How does HELLO compare to other credit unions?
HELLO scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (77.14% vs 72.20%). Its widest shortfall is return on assets (0.42% vs 0.62%).
How can I join HELLO?
Membership eligibility for HELLO depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HELLO directly for current membership requirements and application steps.
Is my money safe at HELLO?
HELLO is a state-chartered 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. HELLO's net worth ratio of 14.28% 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.