Side-by-side · Q2 2026 data
Elevate Federal Credit Union vs Hercules First Federal Credit Union
Credit union
Hercules First Federal Credit Union
Salt Lake City, Utah · $100 million – $1 billion
Metric by metric
| Measure | Elevate Federal Credit Union | Hercules First Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 92 (stronger) | 67 |
| Earnings | 93 (stronger) | 42 |
| Funding & liquidity | 83 (stronger) | 54 |
| Problem-loan coverage | 99 (stronger) | 58 |
| Peer percentile | 98th | 7th |
| Total assets | $260.3M | $176.3M |
| Deposits / shares | $205.0M | $139.2M |
| Capital ratio | 20.93% (stronger) | 9.00% |
| Problem loans | 0.24% (stronger) | 1.00% |
| Net charge-offs | 0.27% (stronger) | 0.41% |
| Return on assets | 1.83% (stronger) | 0.54% |
| Loans ÷ deposits | 76.9% (stronger) | 106.6% |
| Uninsured deposits | 6.1% | 3.7% (stronger) |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Elevate Federal Credit Union has the higher TellerScore (94 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Elevate Federal Credit Union leads on 6 and Hercules First Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.