State credit union · Panama City, Florida · NCUA charter #63262
Hello
Health score 83/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $157.4M
- Total assets
- 10,785
- Members
- 13.1%
- Net-worth ratio
Hello - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #63262: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Hello - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)97
- Earnings (ROA)92
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 83/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 13.10% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.10% | 30% |
| Delinquency Rate | 0.58% | 25% |
| Return on Assets | 0.42% | 15% |
| Member Growth | -6.34% | 15% |
| Loan-to-Share Ratio | 77.14% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hello
Charter #63262, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Hello, a state credit union in Panama City, Florida with 10,785 members, $157.4M in total assets, and $101.9M in outstanding loans as of Q4 2025. The five-factor composite scores it 83/100 (Excellent), helped by a net worth ratio of 13.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.58% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 77.14% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.42% on net income of $664K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -6.34%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Florida
Other federally-insured credit unions in Florida, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hello financially healthy?
Hello has a financial health score of 83/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.10% and delinquency rate of 0.58%.
How does Hello compare to other credit unions?
On PlainCU's health composite, Hello lands at 83/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Hello are 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 13.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hello offer compared to banks?
Credit unions like Hello are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hello directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.