Side-by-side · Q2 2026 data
Optum Bank, Inc. 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 | Optum Bank, Inc. | Hercules First Federal Credit Union |
|---|---|---|
| TellerScore | 93 (stronger) | 51 |
| Capital cushion | 82 (stronger) | 40 |
| Loan quality | 93 (stronger) | 67 |
| Earnings | 100 (stronger) | 42 |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 98 (stronger) | 58 |
| Peer percentile | 100th | 7th |
| Total assets | $21.4B | $176.3M |
| Deposits / shares | $16.5B | $139.2M |
| Capital ratio | 13.22% (stronger) | 9.00% |
| Problem loans | 0.21% (stronger) | 1.00% |
| Net charge-offs | 0.23% (stronger) | 0.41% |
| Return on assets | 2.55% (stronger) | 0.54% |
| Loans ÷ deposits | 59.7% (stronger) | 106.6% |
| Uninsured deposits | 3.8% | 3.7% (stronger) |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | 651 | — |
| Complaints per $1B deposits | 39.4 | — |
| Mortgage denial rate (HMDA) | — | — |
Optum Bank, Inc. has the higher TellerScore (93 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Optum Bank, Inc. leads on 6 and Hercules First Federal Credit Union on 1. 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.