Sep, 30, 2025 — HELCO FEDERAL CREDIT UNION is a federal credit union headquartered in HILO, HI with 1 branch location and about $44.15 million in total assets. Opened 88 years ago in 1938, HELCO FEDERAL CREDIT UNION has about 1,377 members and employs 4 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | HELCO FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1437 Kilauea Ave Ste 105 HILO, HI 96720 |
| Phone: | (808) 238-3500 |
| Fax: | (808) 238-3220 |
| Website: | https://www.helcofcu.org |
| Branches: | 1 branch locations |
| Members: | 1,377 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 2705 |
|---|---|
| Membership Type: | Service - Communications and Utilities |
| Corporate Credit Union: | No |
| Year Opened: | 1938 |
| Last Audited: | Dec 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $44,147,007 |
| CEO/Manager: | Barbara L Shozuya |
| Chairperson: | Michele L Pabingwit |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,955,663 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 7,316,291 |
| Unsecured Loans | 8,516,588 |
| Other Loans | 3,076,847 |
| TOTAL LOANS | 21,839,152 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -60,582 |
| Land And Building | 0 |
| Other Fixed Assets | 11,105 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 315,117 |
| All Other Assets | 0 |
| TOTAL ASSETS | 44,147,007 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 89,121 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 4,977,791 |
| Regular shares | 6,140,254 |
| All Other Shares & Deposits | 24,250,982 |
| TOTAL SHARES & DEPOSITS | 35,369,026 |
| TOTAL LIABILITIES | 35,458,147 |
| Regular Reserve | 0 |
| Other Reserves | 459,131 |
| Undivided Earnings | 8,229,729 |
| TOTAL EQUITY | 8,688,860 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 44,147,007 |
| INCOME & EXPENSE | |
| Loan Income | 743,074 |
| Investment Income | 401,622 |
| Other Income | 35,934 |
| Total Employee Compensation & Benefits | 313,050 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 349,690 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 30,000 |
| Cost of Funds | 468,471 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 35,205 |
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