HELCO
Charter #2705 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
HELCO has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 1.4% in tier
- + Net Charge-Off Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 9.65% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,377
-0.2% YoY0% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
38th in tier |
| Assets |
$44.1M
+2.7% YoY+0.2% QoQ
|
+$14.3M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
74th in tier |
| Loans |
$21.8M
+5.9% YoY+2.3% QoQ
|
+$6.1M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
73rd in tier |
| Deposits |
$35.4M
+3.3% YoY+0.2% QoQ
|
+$9.9M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
71st in tier |
| ROA |
0.1%
+486.7% YoY+1161.2% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 20.0% in tier |
| NIM |
2.0%
+20.7% YoY+3.4% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
91.0%
-15.2% YoY-1.3% QoQ
|
+9.6% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Top 21.6% in tier |
| Delinquency Rate |
0.2%
-94.5% YoY-41.6% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 24.8% in tier |
| Loan To Share |
61.7%
+2.6% YoY+2.2% QoQ
|
+0.5% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
50th in tier |
| AMR |
$41,546
+4.5% YoY+1.0% QoQ
|
+$27K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 1.0% in tier |
| CD Concentration |
32.5%
-5.4% YoY-3.4% QoQ
|
+8.1% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
26
Average Member Relationship (AMR)
engagement
Value:
$41,546
Peer Avg: $14,627
#26 of 2596
Top 1.0% in <100M tier
38
Loan-to-Member Ratio (LMR)
engagement
Value:
$15,860
Peer Avg: $5,488
#38 of 2596
Top 1.4% in <100M tier
225
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#225 of 2596
Top 8.6% in <100M tier
472
Loan Growth Rate
growth
Value:
5.94%
Peer Avg: 59.01%
#472 of 2596
Top 18.1% in <100M tier
599
Net Worth Ratio
risk
Value:
19.68%
Peer Avg: 16.43%
#599 of 2596
Top 23.0% in <100M tier
646
Total Delinquency Rate (60+ days)
risk
Value:
0.16%
Peer Avg: 1.51%
#646 of 2596
Top 24.8% in <100M tier
Top Weaknesses (5 metrics)
2498
Net Interest Margin (NIM)
profitability
Value:
2.04%
Peer Avg: 3.93%
#2498 of 2596
Bottom 3.8% in <100M tier
2222
Share Certificate Concentration (%)
balance_sheet
Value:
32.50%
Peer Avg: 15.37%
#2222 of 2596
Bottom 14.4% in <100M tier
2100
First Mortgage Concentration (%)
balance_sheet
Value:
31.24%
Peer Avg: 14.49%
#2100 of 2596
Bottom 19.1% in <100M tier
2078
Return on Assets (ROA)
profitability
Value:
0.11%
Peer Avg: 0.68%
#2078 of 2596
Bottom 20.0% in <100M tier
2036
Efficiency Ratio
profitability
Value:
91.04%
Peer Avg: 81.39%
#2036 of 2596
Bottom 21.6% in <100M tier