HELCO
Charter #2705 · HILO, HI · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 1,375 sits at the 21st percentile of structural peers — worth a closer look.
- Return on average assets of 0.19% sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.41% sits at the 11th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.03% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HELCO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $45.42M | 93th pct | 59th pct |
| Members | 1,375 | 20th pct | 21th pct |
| Net worth ratio | 19.21% | 82th pct | 72th pct |
| Return on average assets | 0.19% | 26th pct | 20th pct |
| Net interest margin | 2.41% | 5th pct | 11th pct |
| Cost of funds | 1.47% | 77th pct | 69th pct |
| Loan-to-share | 59.92% | 54th pct | 49th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.03% | 16th pct | 15th pct |
| Loan growth YoY | 0.21% | 72th pct | 66th pct |
| Share growth YoY | 3.27% | 59th pct | 62th pct |
| Efficiency ratio | 92.49% | 77th pct | 84th pct |
structural peer set hash: 53b0befe759fceaed75adda3594fe9c8… (reproducible)
Closest structural peers
This is the free public view
Claim HELCO
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.