TellerScore

Headquartered in Panama City, Florida, Hello Credit Union is a federally insured state-chartered credit union with $159.9M in total assets and $135.2M in member shares and deposits as of Q2 2026. It operates 4 offices. Its charter dates back to 1952.

Hello Credit Union has a TellerScore of 80 out of 100 (strong) based on Q2 2026 data — higher than 78% of its 1,341 credit unions with $100 million – $1 billion. Among 107 credit unions headquartered in Florida, it ranks 23rd. Problem-loan coverage contributes the most (97/100, 1.4%); earnings contributes the least (36/100, 0.40%).

TellerScore · Q2 2026

Scorecard

Capital cushion94/100
Net worth ratio: 14.35%
Loan quality89/100
Loans 60+ days delinquent ÷ total loans: 0.32%
Earnings36/100
Return on assets (annualized): 0.40%
Funding & liquidity86/100
Loans ÷ shares: 74.1% · 3.8% uninsured
Problem-loan coverage97/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.39%

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 6 points (74 → 80), mostly because the loan quality component improved by 17 points.

TellerScore
687480Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202468
Q4 202470
Q1 202571
Q2 202574
Q3 202580
Q4 202580
Q1 202678
Q2 202680
Net worth ratio
7.00%10.68%14.37%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.98%
Q3 202413.28%
Q4 202413.36%
Q1 202513.54%
Q2 202513.87%
Q3 202514.21%
Q4 202514.37%
Q1 202614.28%
Q2 202614.35%
Delinquent loans (60+ days)
0.32%0.77%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.35%
Q3 20241.21%
Q4 20241.03%
Q1 20250.90%
Q2 20250.84%
Q3 20250.46%
Q4 20250.58%
Q1 20260.45%
Q2 20260.32%
Return on assets
0.32%0.50%0.68%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.37%
Q4 20240.41%
Q1 20250.32%
Q2 20250.51%
Q3 20250.60%
Q4 20250.68%
Q1 20260.34%
Q2 20260.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$159.9M14.35%0.32%0.40%74.1%
Q1 202678$159.3M14.28%0.45%0.34%75.0%
Q4 202580$157.4M14.37%0.58%0.68%77.1%
Q3 202580$158.6M14.21%0.46%0.60%78.4%
Q2 202574$160.2M13.87%0.84%0.51%79.2%
Q1 202571$162.2M13.54%0.90%0.32%77.9%
Q4 202470$163.3M13.36%1.03%0.41%78.8%
Q3 202468$164.9M13.28%1.21%0.37%78.1%
Q2 202475$167.7M12.98%0.35%0.39%77.9%

1,341 peers · $100 million – $1 billion

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).

Capital ratio14.35%
81st
Problem loans0.32%
80th
Net charge-offs1.02%
9th
Return on assets0.40%
24th
Loans to deposits74.1%
53rd
Uninsured deposits3.8%
74th
Loan-loss reserves0.00%
50th
Texas ratio1.4%
84th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
First Choice Credit UnionCredit union West Palm Beach, FL68 out of 100, Moderate$161.3M10.4%0.60%vs
Priorityone Credit Union of FloridaCredit union Sunrise, FL73 out of 100, Strong$162.2M10.9%0.56%vs
Jm Associates Federal Credit UnionCredit union Jacksonville, FL87 out of 100, Very strong$151.2M15.5%0.71%vs
Pinellas Federal Credit UnionCredit union Largo, FL73 out of 100, Strong$170.4M13.1%0.92%vs
Tru Fi Credit UnionCredit union Macclenny, FL84 out of 100, Strong$146.4M12.6%0.60%vs
Florida West Coast Credit UnionCredit union Brandon, FL79 out of 100, Strong$144.2M12.0%0.25%vs

Deposit insurance

Is my money safe at Hello Credit Union?

Yes. Hello Credit Union is a federally insured credit union (NCUA charter #63262). 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 3.8% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

4 locations

Branches

Hello Credit Union lists 4 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hello Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
63262
RSSD ID
197094
Primary regulator
State + NCUA
Established
1952
Headquarters
P O Box 2239, Panama City, FL 32402
Employees
38

Quick answers

Hello Credit Union: common questions

Is Hello Credit Union NCUA insured?

Yes. Hello Credit Union is a federally insured credit union (NCUA charter #63262). 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 Hello Credit Union's TellerScore?

80 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 Hello Credit Union have?

4 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Panama City

InstitutionScoreAssetsCapitalProblem loansCompare
Tyndall Federal Credit UnionCredit union Panama City, FL89 out of 100, Very strong$1.9B13.6%0.26%vs
Panhandle Credit UnionCredit union Panama City, FL87 out of 100, Very strong$367.9M13.5%0.27%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
Loyalty Credit UnionCredit union Pensacola, FL75 out of 100, Strong$300.3M11.6%0.66%vs
Southeast First National BankBank Summerville, GA74 out of 100, Strong$74.9M11.7%0.06%vs
Capital City BankBank Tallahassee, FL72 out of 100, Strong$4.4B10.3%0.40%vs