Side-by-side · Q2 2026 data
Hercules First Federal Credit Union vs Pacific Horizon 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 | Pacific Horizon Credit Union |
|---|---|---|
| TellerScore | 51 | 53 (stronger) |
| Capital cushion | 40 | 43 (stronger) |
| Loan quality | 67 (stronger) | 40 |
| Earnings | 42 | 58 (stronger) |
| Funding & liquidity | 54 | 75 (stronger) |
| Problem-loan coverage | 58 | 70 (stronger) |
| Peer percentile | 7th | 9th |
| Total assets | $176.3M | $141.4M |
| Deposits / shares | $139.2M | $127.7M |
| Capital ratio | 9.00% | 9.30% (stronger) |
| Problem loans | 1.00% (stronger) | 1.81% |
| Net charge-offs | 0.41% (stronger) | 0.62% |
| Return on assets | 0.54% | 0.95% (stronger) |
| Loans ÷ deposits | 106.6% | 85.5% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 6.9% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pacific Horizon Credit Union has the higher TellerScore (53 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Hercules First Federal Credit Union leads on 3 and Pacific Horizon Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.