Helco Federal Credit Union (NCUA charter #2705) is based in Hilo, Hawaii. Its Q2 2026 call report shows $46.5M in total assets and $37.6M in member shares and deposits and 1 office.
Based on its Q2 2026 filing, Helco Federal Credit Union scores 84/100, which we describe as strong. That is higher than 75% of 2,479 credit unions with under $100 million in assets. Among 45 credit unions headquartered in Hawaii, it ranks 9th. Its strongest component is capital cushion (100/100; 18.80%), and its lowest is earnings (27/100; 0.18%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (82 → 84), mostly because the earnings component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 58 |
| Q4 2024 | 60 |
| Q1 2025 | 82 |
| Q2 2025 | 82 |
| Q3 2025 | 83 |
| Q4 2025 | 85 |
| Q1 2026 | 86 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 20.11% |
| Q3 2024 | 20.18% |
| Q4 2024 | 20.02% |
| Q1 2025 | 19.81% |
| Q2 2025 | 19.70% |
| Q3 2025 | 19.68% |
| Q4 2025 | 19.62% |
| Q1 2026 | 19.21% |
| Q2 2026 | 18.80% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.42% |
| Q3 2024 | 2.96% |
| Q4 2024 | 2.75% |
| Q1 2025 | 0.16% |
| Q2 2025 | 0.28% |
| Q3 2025 | 0.16% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.14% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.02% |
| Q3 2024 | 0.02% |
| Q4 2024 | -0.02% |
| Q1 2025 | -0.10% |
| Q2 2025 | 0.01% |
| Q3 2025 | 0.11% |
| Q4 2025 | 0.12% |
| Q1 2026 | 0.19% |
| Q2 2026 | 0.18% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $46.5M | 18.80% | 0.14% | 0.18% | 56.3% |
| Q1 2026 | 86 | $45.4M | 19.21% | 0.00% | 0.19% | 59.9% |
| Q4 2025 | 85 | $44.4M | 19.62% | 0.00% | 0.12% | 61.0% |
| Q3 2025 | 83 | $44.1M | 19.68% | 0.16% | 0.11% | 61.7% |
| Q2 2025 | 82 | $44.0M | 19.70% | 0.28% | 0.01% | 60.4% |
| Q1 2025 | 82 | $43.8M | 19.81% | 0.16% | -0.10% | 58.9% |
| Q4 2024 | 60 | $43.2M | 20.02% | 2.75% | -0.02% | 59.0% |
| Q3 2024 | 58 | $43.0M | 20.18% | 2.96% | 0.02% | 60.2% |
| Q2 2024 | 57 | $43.1M | 20.11% | 3.42% | -0.02% | 59.2% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Hawaii
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Waialua Federal Credit UnionCredit union Waialua, HI | 88 out of 100, Very strong | $47.4M | 17.8% | 0.16% | vs |
| Hotel and Travel Industry Federal Credit UnionCredit union Honolulu, HI | 61 out of 100, Moderate | $40.0M | 8.9% | 0.81% | vs |
| Maui Teachers Federal Credit UnionCredit union Wailuku, HI | 89 out of 100, Very strong | $38.5M | 16.8% | 0.00% | vs |
| Molokai Community Federal Credit UnionCredit union Kaunakakai, HI | 68 out of 100, Moderate | $38.3M | 18.5% | 4.40% | vs |
| Lanai Federal Credit UnionCredit union Lanai City, HI | 78 out of 100, Strong | $38.2M | 11.9% | 0.88% | vs |
| Hawaiian Electric Employees Federal Credit UnionCredit union Honolulu, HI | 83 out of 100, Strong | $37.1M | 18.4% | 1.02% | vs |
Deposit insurance
Is my money safe at Helco Federal Credit Union?
Yes. Helco Federal Credit Union is a federally insured credit union (NCUA charter #2705). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 13.9% of shares and deposits ($5.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 18.80%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Helco Federal Credit Union lists 1 office in 1 city. Most locations:
- Hilo, HI (1)
Identity & history
Profile
- Legal name
- Helco Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 2705
- RSSD ID
- 699570
- Primary regulator
- NCUA
- Established
- 1938
- Headquarters
- 1437 Kilauea Ave Ste 105, Hilo, HI 96720
- Employees
- 4
Quick answers
Helco Federal Credit Union: common questions
Is Helco Federal Credit Union NCUA insured?
Yes. Helco Federal Credit Union is a federally insured credit union (NCUA charter #2705). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Helco Federal Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Helco Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hilo
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Hawaii County Employees Federal Credit UnionCredit union Hilo, HI | 93 out of 100, Very strong | $148.0M | 15.2% | 0.21% | vs |
| Hamakua Federal Credit UnionCredit union Pepeekeo, HI | 90 out of 100, Very strong | $23.4M | 14.5% | 0.38% | vs |
| CU Hawaii Federal Credit UnionCredit union Hilo, HI | 74 out of 100, Strong | $460.3M | 11.0% | 0.33% | vs |
| Hawaii National BankBank Honolulu, HI | 72 out of 100, Strong | $871.7M | 11.0% | 0.05% | vs |
| American Savings Bank, National AssociationBank Honolulu, HI | 71 out of 100, Strong | $9.0B | 9.1% | 0.19% | vs |
| Big Island Federal Credit UnionCredit union Hilo, HI | 71 out of 100, Strong | $194.5M | 9.3% | 0.16% | vs |