Hello Credit Union Panama City, Florida
Hello Credit Union is a state-chartered credit union headquartered in Panama City, FL, established in 1952 (NCUA charter 63262), and it is regulated and insured by the NCUA. At Q2 2026 it reported 10,724 members and total assets of $159.9M (down 0.2% from Q2 2025), the 60th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 14.35% at Q2 2026, in the well capitalized band.
Also written as Hello CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 63262
- Headquarters
- Panama City, FL
- Established
- 1952
- Total assets, Q2 2026
- $159.9M
- Assets vs Q2 2025
- -0.2%
- Members, Q2 2026
- 10,724
- Net worth ratio, Q2 2026
- 14.35%
- Latest call report
- Q2 2026, NCUA 5300 · Hello Credit Union call report
- Asset rank in state
- 60th of 106 in Florida
- Routing number
- 263281543
- Branches
- 4
It has 472 fewer members than on June 30, 2025 (-4.2%). Its net worth ratio was up 0.48 percentage points from 13.87% on June 30, 2025. Commercial loans are its largest loan category, $32.4M of $100.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.32% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 14.35% net worth ratio is above that band's 11.43% median.
Credit unions similar in size in Florida
Credit unions merged into Hello Credit Union
Flag Credit Union (2022)
Frequently asked about Hello Credit Union
How big is Hello Credit Union?
At Q2 2026 it reported total assets of $159.9M and 10,724 members.
Where is Hello Credit Union headquartered?
It is headquartered in Panama City, FL, United States.
When was Hello Credit Union founded?
It was established in 1952, per NCUA records.
Is Hello Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63262): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Hello Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Hello Credit Union well capitalized?
Its net worth ratio was 14.35% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Hello Credit Union's delinquency ratio?
Its delinquency ratio was 0.32% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Hello Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 74.14% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Panama City, FL 32405
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1952
- NCUA Charter #
- 63262
- RSSD ID
- 197094
- Members
- 10,724
- Potential members
- 590,966
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 14.35% | 11.43% | 80th top |
| Return on assets Middle half of peers: 0.43% to 1.23% | 0.47% | 0.81% | 28th below |
| Return on equity Middle half of peers: 3.87% to 9.84% | 3.30% | 7.02% | 21st bottom |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 4.13% | 3.70% | 76th top |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 81.99% | 76.55% | 30th below |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.52% | 1.24% | over 90th top |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.32% | 0.68% | 80th top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.66% | 4.92% | 33rd position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 74.14% | 75.66% | 47th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$159.9M total assets against $160.2M; $135.2M total shares and deposits against $134.7M; $100.2M total loans against $106.7M.
$22.9M net worth against $22.3M.
14.35% net worth ratio against 13.87%.
74.14% loan-to-share ratio against 79.21%.
0.32% delinquency ratio against 0.84%.
0.47% return on assets against 0.69%; 3.30% return on equity against 4.97%.
4.13% net interest margin against 3.89%.
10,724 members against 11,196.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.35% | 0.47% | 0.32% | 74.14% |
| March 31, 2026 | 14.28% | 0.34% | 0.45% | 74.98% |
| December 31, 2025 | 14.37% | 0.90% | 0.58% | 77.14% |
| September 30, 2025 | 14.21% | 0.78% | 0.46% | 78.43% |
| June 30, 2025 | 13.87% | 0.69% | 0.84% | 79.21% |
| March 31, 2025 | 13.54% | 0.32% | 0.90% | 77.95% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.