Side-by-side · Q2 2026 data
Hercules First Federal Credit Union vs Beckstrand and Associates Credit Union
Credit union
Hercules First Federal Credit Union
Salt Lake City, Utah · $100 million – $1 billion
Credit union
Beckstrand and Associates Credit Union
Salt Lake City, Utah · Under $100 million in assets
Metric by metric
| Measure | Hercules First Federal Credit Union | Beckstrand and Associates Credit Union |
|---|---|---|
| TellerScore | 51 | 93 (stronger) |
| Capital cushion | 40 | 100 (stronger) |
| Loan quality | 67 | — |
| Earnings | 42 | 74 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 58 | 100 (stronger) |
| Peer percentile | 7th | 94th |
| Total assets | $176.3M | $166K |
| Deposits / shares | $139.2M | $115 |
| Capital ratio | 9.00% | 99.93% (stronger) |
| Problem loans | 1.00% | — |
| Net charge-offs | 0.41% | — |
| Return on assets | 0.54% | 1.35% (stronger) |
| Loans ÷ deposits | 106.6% | 0.0% (stronger) |
| Uninsured deposits | 3.7% | 0.0% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Beckstrand and Associates Credit Union has the higher TellerScore (93 vs 51). On the 5 directional measures above (where higher or lower is clearly better), Hercules First Federal Credit Union leads on 0 and Beckstrand and Associates Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.