B
Hello Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Hello Credit Union
Panama City, FL
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Rating B
Asset Quality Index 9.20
Capitalization Index 10.00
Liquidity Index 3.40
Profitability Index 6.70
Stability Index 6.90
Company Info Hello Credit Union
Panama City, FL
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NCUA Charter Number 4937
Phone Number (850) 785-6103
Website www.hellocu.com
Asset Quality Hello Credit Union
Panama City, FL
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1-Year Asset Growth -3.82%
5-Year Asset Growth 9.84%
5-Year Charge-Offs to Average Loans 0.64%
Charge-Offs to Average Loans 1.34%
Non-Performing Assets to Assets 0.30%
Non-Performing Loans to Capital 2.09%
Non-Performing Loans to Loans 0.46%
Balance Sheet Hello Credit Union
Panama City, FL
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Total Assets 158.61M
Total Deposits 133.16M
Capital and Reserves Hello Credit Union
Panama City, FL
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Capital 22.00M
Leverage Ratio 14.23
Loan Loss Reserves to Loans 1.25%
Liquidity Hello Credit Union
Panama City, FL
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Hot Money Ratio 8.58%
Liquidity Ratio 15.52%
Profitability Hello Credit Union
Panama City, FL
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5-Year Return on Average Assets 0.58%
Net Income 716.00K
Net Interest Spread 4.55%
Operating Profit to Average Assets 1.46%
Overhead Efficiency Ratio 73.86%
Return on Assets 0.59%
Return on Equity 4.46%