Helco

HILO, HI · 1 · Charter #2705 · www.helcofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$44.4M
95th percentile
Members
1,371
48th percentile
Total loans
$21.7M
91th percentile
Total shares
$35.5M
92th percentile

Profitability

Return on assets
0.22%
24th percentile
Net interest margin
2.09%
5th percentile
Efficiency ratio
55.85%
74th percentile
Non-interest income ratio
4.31%
31th percentile

Capital & Risk

Net worth ratio
19.62%
73th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
0.16%
54th percentile
Loan-to-share
61.03%
50th percentile

Growth

Member growth YoY
-0.58%
60th percentile
Asset growth YoY
2.55%
59th percentile
Loan growth YoY
6.41%
83th percentile
Share growth YoY
2.93%
63th percentile

Operations

Members / branch
1,371
60th percentile
Assets / member
$32,349
99th percentile
Field of membership penetration
76.68%
89th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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