# HELLO
Panama City, FL · NCUA charter 63262 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/hello-63262

Who the members are: state charter, organized 1952, low-income designated. 10,738 members of 498,062 potential (2.2% of the field); checking penetration 87% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *quiet fade*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $159.3M |
| Members | 10,738 (-5.4% YoY) |
| Full-time staff | 36 |
| Net worth | $22.8M |
| Net worth ratio | 14.3% (p78 of band) |
| ROA (annualized) | 0.34% (p27 of band) |
| Total delinquency | 0.45% (p38 of band) |
| Net charge-offs (annualized) | 1.05% (p90 of band) |
| Loans / shares | 75% (p61 of band) |
| Cash / assets | 14.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.94% (p66 of band) |
| Operating expense / assets | 4.57% (p80 of band) |
| Vehicles % of loans | 46% (p65 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 3% |
| Third-party paper % of net worth | 6% (p39 of band) |
| Vehicle delinquency | 0.91% (p68 of band) |
| Vehicle NCO | 2.22% (p93 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 8% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 143% |
| Core shares % of member funds | 75% |
| Certificates % of member funds | 16% |
| Average share balance | $6,230 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $32.6M |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $17,133 |
| Loans granted, annualized | $24.1M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $32.6M outstanding purchased (143.4% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares -1.7% year over year.

## Flags firing in the latest filing

- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | losing money, repo signal |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 3 | net worth falling, losing money, margin squeeze |  |
| 2017-09 | 2 |  | margin squeeze |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 1 |  | losing money, delinquency rising |
| 2018-06 | 1 | members leaving | net worth falling |
| 2018-09 | 1 |  |  |
| 2018-12 | 3 | thin capital, margin squeeze |  |
| 2019-03 | 2 |  | margin squeeze |
| 2019-06 | 2 |  |  |
| 2019-09 | 1 |  | thin capital |
| 2019-12 | 2 | assets shrinking |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 | margin squeeze | assets shrinking |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 2 | net worth falling | margin squeeze |
| 2021-06 | 0 |  | members leaving, net worth falling |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | delinquency rising |  |
| 2022-09 | 2 | charge-offs p90 |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | assets shrinking, members leaving | delinquency rising |
| 2023-09 | 3 |  |  |
| 2023-12 | 2 |  | assets shrinking |
| 2024-03 | 4 | net worth falling, delinquency rising |  |
| 2024-06 | 2 |  | net worth falling, delinquency rising |
| 2024-09 | 3 | delinquency rising |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 3 | assets shrinking | delinquency rising |
| 2025-06 | 4 | delinquency rising |  |
| 2025-09 | 3 |  | delinquency rising |
| 2025-12 | 3 |  |  |
| 2026-03 | 1 |  | charge-offs p90, assets shrinking |

## In the news (Google News, unfiltered, newest first; check the city)

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- 2026-04-25 [Cecilia Dianne Jenkins - View Obituary & Service Information - jamesadyal.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1pdXJETFdVUC03eC16ZGhQdUszelJCQVQ1U2tsdEVNUkNzYkFzQXpUcGxSV3EzMFgyR3I4b3N2TFRtcmhwZlVGd1BuSkZyYnR3ZmI1MURmQU1mY2V5SXNySFJkVTFBTEU?oc=5) · jamesadyal.com
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- 2025-12-18 [Ascension Sacred Heart Foundation's annual gala is Feb. 7 - Panama City News Herald](https://news.google.com/rss/articles/CBMi9wFBVV95cUxNUkQ0RGlMZllkOGpoNk9WcW9RWHhUNGV2Zy1Ld0NFNTFoZzJaTWFiV19qVEllQml4SlYxZExfYWpBeFpNa0k2dXBUc3JiZHpMSzR4VzFGTDdpajFMYnN3U2NSekl3blJnZHd2dlpCbm9kQ01XSmhYaG5Jd0JGUTJmc0hqdm9FTmtneW5hWDNyMmUyZTlwcVJIT0V1TzhuN2Nia3A5TnFjeDRrUXB3ZmVPRE10ZDBUQUNEY0lkcTFoQUtna2lWc2picjdDUldsaHcwNzFDUnhnMHE5NDdIeG10XzJWdXlMaXFQODI5T3hKOHNXWFphZHNR?oc=5) · Panama City News Herald
- 2025-12-18 [$7.5M HelloFresh class action settlement over automatic renewals - Top Class Actions](https://news.google.com/rss/articles/CBMi0wFBVV95cUxPamc4ajF0cmV4eklObmVJdk52a3I3cVRqby1iMVlyWEFpLXMyVGRvUHppeVltT1JCQlltVGJYQWQzWW5feFR0aS1pMFpQTDhjWjc5X094dTZVRkNEc0RWRGV5Z000WkxGY2ctRGloY2doWlVCb1J5bHNtODFWa09PM2lmTDV5TVRuN3k5TURuNkR3Mjlyc0FQZkNjLUU4Y0wwa0RXNEJHUjlGZlpNRnhjdHRqZXpmVENURk9YNFlrWGZ0cHpOUHZDeWJwZDR0NnhGSExB?oc=5) · Top Class Actions

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=63262 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/30.json (key "63262", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=63262
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide