HELCO
Federal • HILO, Hawaii • Est. 1938
Quick Facts
- Charter Number
- #2705
- Type
- Federal
- Established
- 1938
- Headquarters
- HILO, Hawaii 96720
- Address
- 1437 KILAUEA AVE STE 105
- Branches
- 1
- Members
- 1,371
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
1,371 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | HELCO |
|---|---|
| Total Assets | $44.4M |
| Members | 1,371 |
| Loans Outstanding | $21.7M |
| Shares & Deposits | $35.5M |
| Net Worth | $8.7M |
| Net Worth Ratio | 19.62% |
| Loan-to-Share Ratio | 61.0% |
| Delinquency Rate | 0.00% |
| Net Income | +$99,026 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
1 location
HELCO FCU
Main Office1437 Kilauea Ave Ste 105
Hilo, HI 96720
Who Can Join HELCO?
Membership Type: Community
Membership eligibility for HELCO may vary. Contact the credit union directly to confirm qualification requirements.
Contact HELCO directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in Hawaii
Browse all federally insured credit unions in Hawaii, ranked by assets, members, and financial health score.
View Hawaii RankingsFrequently Asked Questions
Yes. HELCO is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, HELCO has 1,371 members and a potential membership field of 1,788 people.
HELCO's net worth ratio is 19.62% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 19.6%, HELCO meets this threshold.
HELCO operates 1 branch location. The main office is located at 1437 Kilauea Ave Ste 105, Hilo, HI 96720.
HELCO was established in 1938. It is a federal credit union chartered under charter number 2705. The institution has been serving members for 88 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or HELCO. All financial data is for informational purposes only.