Hilo, Hawaii · Peer group 3
Helco Credit Union
Helco Credit Union holds $45.4M in assets across 1,375 members as of Q1 2026 — about $33K of assets per member, on a charter dating to 1938. Charter number 2705, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $45.4M |
|---|---|
| Total loans | $21.9M |
| Total shares (deposits) | $36.5M |
| Net worth | $8.7M |
| Members | 1,375 |
| Assets per member | $33K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 3.8% | |
|---|---|---|
| Loans | 6.2% | around the 85th percentile of its peer group |
| Deposits | 4.3% | around the 72nd percentile of its peer group |
| Members | -0.4% | around the 61st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 59.9% | around the 54th percentile of its peer group |
|---|---|---|
| Net worth ratio | 19.2% | around the 82nd percentile of its peer group |
| Return on assets | 0.19% | around the 25th percentile of its peer group |
| Delinquency ratio | 0.00% | lower than 95% of its peer group |
| Cash / assets | 8.1% | around the 32nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Helco Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Hawaii — the comparison set a peer ratio is measured against.
- Waialua Credit Union
Waialua, HI
$47.6M · 2,969 members
- Hotel and Travel Industry Credit Union
Honolulu, HI
$40.2M · 4,514 members
- Lanai Credit Union
Lanai City, HI
$37.7M · 2,062 members
- Molokai Community Credit Union
Kaunakakai, HI
$37.2M · 4,281 members
- Maui Teachers Credit Union
Wailuku, HI
$36.5M · 1,267 members
- Hawaiian Electric Employees Credit Union
Honolulu, HI
$36.0M · 1,838 members
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