Side-by-side · Q2 2026 data
Hercules First Federal Credit Union vs Members First Credit Union
Credit union
Hercules First Federal Credit Union
Salt Lake City, Utah · $100 million – $1 billion
Metric by metric
| Measure | Hercules First Federal Credit Union | Members First Credit Union |
|---|---|---|
| TellerScore | 51 | 95 (stronger) |
| Capital cushion | 40 | 99 (stronger) |
| Loan quality | 67 | 86 (stronger) |
| Earnings | 42 | 93 (stronger) |
| Funding & liquidity | 54 | 100 (stronger) |
| Problem-loan coverage | 58 | 97 (stronger) |
| Peer percentile | 7th | 98th |
| Total assets | $176.3M | $209.1M |
| Deposits / shares | $139.2M | $175.7M |
| Capital ratio | 9.00% | 14.91% (stronger) |
| Problem loans | 1.00% | 0.43% (stronger) |
| Net charge-offs | 0.41% | 0.10% (stronger) |
| Return on assets | 0.54% | 1.82% (stronger) |
| Loans ÷ deposits | 106.6% | 54.8% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 5.2% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Members First Credit Union has the higher TellerScore (95 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Hercules First Federal Credit Union leads on 1 and Members First Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.