Side-by-side · Q2 2026 data
Hercules First Federal Credit Union vs Utah Heritage 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 | Utah Heritage Credit Union |
|---|---|---|
| TellerScore | 51 | 63 (stronger) |
| Capital cushion | 40 | 74 (stronger) |
| Loan quality | 67 (stronger) | 16 |
| Earnings | 42 | 85 (stronger) |
| Funding & liquidity | 54 | 84 (stronger) |
| Problem-loan coverage | 58 | 73 (stronger) |
| Peer percentile | 7th | 29th |
| Total assets | $176.3M | $166.7M |
| Deposits / shares | $139.2M | $144.0M |
| Capital ratio | 9.00% | 12.36% (stronger) |
| Problem loans | 1.00% (stronger) | 2.51% |
| Net charge-offs | 0.41% | 0.17% (stronger) |
| Return on assets | 0.54% | 1.64% (stronger) |
| Loans ÷ deposits | 106.6% | 76.5% (stronger) |
| Uninsured deposits | 3.7% (stronger) | 15.0% |
| Offices | 3 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Utah Heritage Credit Union has the higher TellerScore (63 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Hercules First Federal Credit Union leads on 2 and Utah Heritage Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.