BlastPoint's Credit Union Scorecard

HERCULES FIRST

Charter #24902 · UT

100M-500M

1024 CUs in 100M-500M nationally 10 in UT

HERCULES FIRST has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

UT Analysis

How does UT stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Loan-to-Share Ratio: Top 1.4% in tier
+ Loan-to-Member Ratio (LMR): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Delinquency rate 0.12% above tier average
- Net Interest Margin (NIM): Bottom 7.1% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 10 that size in Utah.
Shares and deposits +5.8% year over year ($142M in shares and deposits).
Membership: 8,832 members, +1.3% vs a year ago.
Delinquency rate 1.00%.
Return on assets 0.56%.
Efficiency ratio 71.14% vs a 76.73% peer average.
Loan-to-share ratio 104.38% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,832 +1.3% YoY+1.2% QoQ	-6.3K	15,168 -2.6% YoY	84,939 +12.5% YoY	34,678 +6.6% YoY	23%
Assets	$176.3M +4.0% YoY+7.2% QoQ	$-55.7M	$232.0M +0.7% YoY	$1.4B +17.3% YoY	$593.1M +10.2% YoY	42%
Loans	$148.4M +5.6% YoY+8.8% QoQ	+$2.2M	$146.3M +0.2% YoY	$1.1B +18.0% YoY	$418.6M +10.1% YoY	60%
Deposits	$142.2M +5.8% YoY+3.3% QoQ	$-58.5M	$200.7M +0.2% YoY	$1.2B +16.7% YoY	$504.8M +10.3% YoY	37%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% +38.2% YoY+13.5% QoQ	-0.3%	0.9% +12.5% YoY	1.0% +17.0% YoY	1.2% +121.4% YoY	33%
NIM	2.8% +7.3% YoY-1.3% QoQ	-0.9%	3.7% +4.5% YoY	3.4% +1.5% YoY	3.8% +2.3% YoY	Bottom 7.0% in tier
Efficiency Ratio	71.1% -9.8% YoY-1.0% QoQ	-5.6%	76.7% -0.8% YoY	73.7% +1.7% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	1.0% +178.5% YoY+17.3% QoQ	+0.1	0.9% +6.6% YoY	0.8% +17.2% YoY	1.3% +2.6% YoY	69%
Loan To Share	104.4% -0.2% YoY+5.3% QoQ	+32.8%	71.5% -0.3% YoY	75.6% -3.6% YoY	66.4% -1.4% YoY	Top 1.5% in tier
AMR	$32,903 +4.4% YoY+4.8% QoQ	+$8K	$25,107 +3.2% YoY	$21,736 +3.5% YoY	$20,028 -0.9% YoY	Top 13.5% in tier
CD Concentration	22.5% +1.0% YoY-6.0% QoQ	-2.0%	24.6%	28.5%	20.0%	50%
Indirect Auto %	23.5% -29.0% YoY-17.3% QoQ	+9.9%	13.6%	6.3%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#152 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.36%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $1.9K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Emerging Performer

growth

#174 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.56%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#97 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.64% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Liquidity Strain

risk

#35 of 224 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 104.38%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 5.59%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Credit Risk Growth

risk

#93 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.59%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.64% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#349 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.95%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 23.54%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 1.28%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 104.38%

Peer Median: 73.07%

#15 of 1024 Top 1.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,804

Peer Median: $9,434

#78 of 1024 Top 7.5% in 100M-500M tier

138

Average Member Relationship (AMR)

engagement

Value: $32,903

Peer Median: $23,006

#138 of 1024 Top 13.4% in 100M-500M tier

Top Weaknesses (4 metrics)

952

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: 3.67%

#952 of 1024 Bottom 7.1% in 100M-500M tier

908

Net Worth Ratio

risk

Value: 9.00%

Peer Median: 11.71%

#908 of 1024 Bottom 11.4% in 100M-500M tier

791

Indirect Auto Concentration (%)

balance_sheet

Value: 23.54%

Peer Median: 6.15%

#791 of 1024 Bottom 22.9% in 100M-500M tier

784

Total Members

engagement

Value: 8,832

Peer Median: 13,128

#784 of 1024 Bottom 23.5% in 100M-500M tier