Helco
Hilo, HI · Charter 2705 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$46.5MAssets
$21.2MLoans
$37.6MShares
$8.7MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 83% of credit unions under $1B in assets (rank 279 of 1682).
- Widest gap: net interest margin trails 97% of credit unions under $1B in assets (rank 1634 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.18%
Rank 1,397 of 1,683
Net Interest Margin
2.37%
Rank 1,634 of 1,683
Efficiency Ratio
82.88%
Rank 1,079 of 1,682
Equity / Assets
18.81%
Rank 283 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.18% | 0.35% | 0.74% | 1.18% | Beats 17% | 1,397 / 1,683 | |
| Return on Equity | 0.94% | 2.67% | 5.89% | 8.74% | Beats 15% | 1,432 / 1,681 | |
| Net Interest Margin | 2.37% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,634 / 1,683 | |
| Efficiency Ratio | 82.88% | 68.91% | 78.20% | 86.93% | Beats 36% | 1,079 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.26% | 0.65% | 1.29% | Beats 83% | 279 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 18.81% | 10.44% | 12.89% | 16.53% | Beats 83% | 283 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 18.81% | 10.44% | 12.89% | 16.53% | Beats 83% | 283 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 56.32% | 52.61% | 69.38% | 83.50% | 30th pctl | 1,178 / 1,683 | |
| Loans / Assets | 45.49% | 44.71% | 59.18% | 70.72% | 26th pctl | 1,244 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |