TellerScore

Hercules First Federal Credit Union (NCUA charter #24902) is based in Salt Lake City, Utah. Its Q2 2026 call report shows $176.3M in total assets and $139.2M in member shares and deposits and 3 offices.

Hercules First Federal Credit Union has a TellerScore of 51 out of 100 (below average) based on Q2 2026 data — higher than only 7% of its 1,341 credit unions with $100 million – $1 billion. Among 51 credit unions headquartered in Utah, it ranks 48th. Loan quality contributes the most (67/100, 1.00%); capital cushion contributes the least (40/100, 9.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion40/100
Net worth ratio: 9.00%
Loan quality67/100
Loans 60+ days delinquent ÷ total loans: 1.00%
Earnings42/100
Return on assets (annualized): 0.54%
Funding & liquidity54/100
Loans ÷ shares: 106.6% · 3.7% uninsured
Problem-loan coverage58/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 20.95%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 7 points (58 → 51), mostly because the problem-loan coverage component weakened by 27 points.

TellerScore
515558Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202452
Q4 202457
Q1 202558
Q2 202558
Q3 202555
Q4 202553
Q1 202656
Q2 202651
Net worth ratio
7.00%8.24%9.48%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.71%
Q3 20248.84%
Q4 20248.74%
Q1 20258.73%
Q2 20258.81%
Q3 20259.28%
Q4 20259.42%
Q1 20269.48%
Q2 20269.00%
Delinquent loans (60+ days)
0.20%0.66%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.91%
Q4 20240.40%
Q1 20250.20%
Q2 20250.36%
Q3 20250.92%
Q4 20251.12%
Q1 20260.85%
Q2 20261.00%
Return on assets
0.19%0.37%0.54%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.19%
Q3 20240.33%
Q4 20240.31%
Q1 20250.28%
Q2 20250.40%
Q3 20250.54%
Q4 20250.49%
Q1 20260.49%
Q2 20260.54%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202651$176.3M9.00%1.00%0.54%106.6%
Q1 202656$164.4M9.48%0.85%0.49%99.1%
Q4 202553$163.4M9.42%1.12%0.49%99.2%
Q3 202555$164.5M9.28%0.92%0.54%100.2%
Q2 202558$169.6M8.81%0.36%0.40%104.6%
Q1 202558$168.5M8.73%0.20%0.28%102.7%
Q4 202457$167.0M8.74%0.40%0.31%105.3%
Q3 202452$169.6M8.84%0.91%0.33%106.0%
Q2 202454$165.8M8.71%0.55%0.19%104.8%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.00%
13th
Problem loans1.00%
30th
Net charge-offs0.41%
44th
Return on assets0.54%
34th
Loans to deposits106.6%
1st
Uninsured deposits3.7%
75th
Loan-loss reserves0.00%
50th
Texas ratio20.9%
2nd

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Horizon Utah Federal Credit UnionCredit union Farmington, UT64 out of 100, Moderate$185.2M11.5%0.91%vs
Utah Heritage Credit UnionCredit union Moroni, UT63 out of 100, Moderate$166.7M12.4%2.51%vs
Members First Credit UnionCredit union Brigham City, UT95 out of 100, Very strong$209.1M14.9%0.43%vs
Pacific Horizon Credit UnionCredit union Springville, UT53 out of 100, Below average$141.4M9.3%1.81%vs
Eastern Utah Community Federal Credit UnionCredit union Price, UT81 out of 100, Strong$219.2M14.1%0.74%vs
Desert Rivers Federal Credit UnionCredit union Moab, UT50 out of 100, Below average$116.7M8.4%1.34%vs

Deposit insurance

Is my money safe at Hercules First Federal Credit Union?

Yes. Hercules First Federal Credit Union is a federally insured credit union (NCUA charter #24902). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.7% of shares and deposits ($5.1M) are above the $250,000 NCUA insurance limit, below the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.00%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Hercules First Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Hercules First Federal Credit Union
Type
Federal credit union
NCUA charter #
24902
RSSD ID
264192
Primary regulator
NCUA
Established
1973
Headquarters
3141 W 4700 S, Salt Lake City, UT 84129
Employees
28

Quick answers

Hercules First Federal Credit Union: common questions

Is Hercules First Federal Credit Union NCUA insured?

Yes. Hercules First Federal Credit Union is a federally insured credit union (NCUA charter #24902). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Hercules First Federal Credit Union's TellerScore?

51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Hercules First Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

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