Side-by-side · Q2 2026 data
Horizon Utah 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 | Horizon Utah Federal Credit Union | Hercules First Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 51 |
| Capital cushion | 65 (stronger) | 40 |
| Loan quality | 70 (stronger) | 67 |
| Earnings | 15 | 42 (stronger) |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 92 (stronger) | 58 |
| Peer percentile | 31st | 7th |
| Total assets | $185.2M | $176.3M |
| Deposits / shares | $162.2M | $139.2M |
| Capital ratio | 11.54% (stronger) | 9.00% |
| Problem loans | 0.91% (stronger) | 1.00% |
| Net charge-offs | 1.08% | 0.41% (stronger) |
| Return on assets | -0.13% | 0.54% (stronger) |
| Loans ÷ deposits | 55.6% (stronger) | 106.6% |
| Uninsured deposits | 5.3% | 3.7% (stronger) |
| Offices | 4 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 40.0% | — |
Horizon Utah Federal Credit Union has the higher TellerScore (64 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Horizon Utah Federal Credit Union leads on 4 and Hercules First Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.