Side-by-side · Q2 2026 data
Norfolk Fire Department Federal Credit Union vs Hercules First Federal Credit Union
Credit union
Norfolk Fire Department Federal Credit Union
Norfolk, Virginia · Under $100 million in assets
Credit union
Hercules First Federal Credit Union
Salt Lake City, Utah · $100 million – $1 billion
Metric by metric
| Measure | Norfolk Fire Department Federal Credit Union | Hercules First Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 51 |
| Capital cushion | 100 (stronger) | 40 |
| Loan quality | 86 (stronger) | 67 |
| Earnings | 82 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 99 (stronger) | 58 |
| Peer percentile | 94th | 7th |
| Total assets | $26.8M | $176.3M |
| Deposits / shares | $21.4M | $139.2M |
| Capital ratio | 20.12% (stronger) | 9.00% |
| Problem loans | 0.41% (stronger) | 1.00% |
| Net charge-offs | 0.25% (stronger) | 0.41% |
| Return on assets | 1.55% (stronger) | 0.54% |
| Loans ÷ deposits | 30.4% (stronger) | 106.6% |
| Uninsured deposits | 3.2% (stronger) | 3.7% |
| Offices | 2 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Norfolk Fire Department Federal Credit Union has the higher TellerScore (93 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Norfolk Fire Department Federal Credit Union leads on 7 and Hercules First Federal Credit Union on 0. 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.