PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Helco

Hilo, HI · Charter 2705

NCUA · 1 branch

Q2 2026

$46.5MAssets
$21.2MLoans
$37.6MShares
$8.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.18%, up 17 bps year over year; NIM at 2.37%.
  • Asset quality: problem loans at 0.14% of loans (-14 bps YoY).
  • Capital: net worth / assets of 18.80%, down 90 bps from a year ago.
  • Funding: loans stand at 56.32% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.18%+17 bps YoY

Net Interest Margin (YTD, annualized)

2.37%+40 bps YoY

Efficiency Ratio (YTD, annualized)

82.87%-936 bps YoY

Net Worth / Assets

18.80%-90 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.01%0.11%0.12%0.19%0.18%+17 bps
Return on Equity0.04%0.54%0.63%0.98%0.94%+90 bps
Net Interest Margin1.97%2.04%2.09%2.38%2.37%+40 bps
Efficiency Ratio92.23%91.04%90.07%92.49%82.87%-936 bps
Growth
Asset Growth (YoY)2.23%2.72%2.55%3.78%5.57%+334 bps
Loan Growth (YoY)5.14%5.94%6.41%6.21%-0.90%-604 bps
Share Growth (YoY)2.93%3.25%2.93%4.33%6.36%+343 bps
Asset Quality
Delinquent Loans / Loans0.28%0.16%0.00%0.00%0.14%-14 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital19.70%19.68%19.62%19.21%18.80%-90 bps
Net Worth / Assets19.70%19.68%19.62%19.21%18.80%-90 bps
Liquidity & Funding
Loans / Shares60.45%61.75%61.03%59.92%56.32%-413 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps