HELLO
Charter #63262 · Panama City, FL · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 14.28% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.05% sits at the 85th percentile of structural peers — worth a closer look.
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 | HELLO | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $159.34M | 35th pct | 39th pct |
| Members | 10,738 | 36th pct | 34th pct |
| Net worth ratio | 14.28% | 81th pct | 87th pct |
| Return on average assets | 0.34% | 25th pct | 31th pct |
| Net interest margin | 3.96% | 70th pct | 57th pct |
| Cost of funds | 0.07% | 5th pct | 8th pct |
| Loan-to-share | 74.98% | 56th pct | 49th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 43th pct |
| Net charge-off ratio | 1.05% | 89th pct | 85th pct |
| Loan growth YoY | -3.49% | 13th pct | 8th pct |
| Share growth YoY | 0.96% | 17th pct | 23th pct |
| Efficiency ratio | 83.07% | 67th pct | 64th pct |
structural peer set hash: b7cb8916a96c616dcba128e4be392059… (reproducible)
Closest structural peers
This is the free public view
Claim HELLO
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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.