Credit Union Safety Analysis
Is Hello Credit Union Safe? Panama City, Florida
Based on its Q2 2026 NCUA 5300 call report, Hello Credit Union has a net worth ratio of 14.35%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.32%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Hello Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Hello Credit Union's net worth ratio is 14.35%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.35%
- Delinquency ratio (60+ days) (Q2 2026): 0.32%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 74.14%
Hello Credit Union (NCUA charter 63262, established 1952) reported $159.9M in assets and 10,724 members for Q2 2026 from Panama City, Florida. It ranks 60 of 106 credit unions in Florida by total assets. Total assets fell 0.2% from $160.2M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 14.28% for Q1 2026; 13.87% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.45% for Q1 2026; 0.84% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.34% for Q1 2026; 0.69% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 74.98% for Q1 2026; 79.21% for Q2 2025.
Loans by type, Q2 2026
- Commercial loans: $32.4M
- New vehicle loans: $24.1M
- Used vehicle loans: $22.0M
- 1- to 4-family residential and other consumer real estate loans: $8.2M
- Other secured non-real estate loans and lines of credit: $6.4M
- Unsecured credit card loans: $4.4M
- Other unsecured loans and lines of credit: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $159.9M | 14.35% | 0.32% | 0.47% | 74.14% |
| March 31, 2026 | $159.3M | 14.28% | 0.45% | 0.34% | 74.98% |
| December 31, 2025 | $157.4M | 14.37% | 0.58% | 0.90% | 77.14% |
| September 30, 2025 | $158.6M | 14.21% | 0.46% | 0.78% | 78.43% |
| June 30, 2025 | $160.2M | 13.87% | 0.84% | 0.69% | 79.21% |
| March 31, 2025 | $162.2M | 13.54% | 0.90% | 0.32% | 77.95% |
Add this badge to your website
Free to use. It shows Hello Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 63262) · FFIEC NIC profile (RSSD 197094)
Frequently asked questions
Is Hello Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hello Credit Union's net worth ratio is 14.35%, above the 7% NCUA threshold for well capitalized.
Is Hello Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hello Credit Union is a federally insured credit union (NCUA charter 63262): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hello Credit Union's key safety ratios?
For Q2 2026, Hello Credit Union reports net worth 14.35%, delinquency 0.32%, ROA 0.47%, loan-to-share 74.14%.
What happens to my money if Hello Credit Union fails?
For Q2 2026, Hello Credit Union held $135.2M in shares and deposits for 10,724 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.