BlastPoint's Credit Union Scorecard

HERCULES FIRST

Charter #24902 · UT

100M-500M

1070 CUs in 100M-500M nationally 12 in UT

HERCULES FIRST has 2 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

+ Loan-to-Share Ratio: Top 1.9% in tier
+ Loan-to-Member Ratio (LMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.24% below tier average
- Delinquency rate 0.08% above tier average
- Asset Growth Rate: Bottom 7.9% in tier
- Net Interest Margin (NIM): Bottom 8.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (UT)	National Avg	Tier Percentile
Members	8,725 -0.2% YoY+0.8% QoQ	-6.4K	15,145 -2.5% YoY	80,723 +8.1% YoY	33,913 +5.7% YoY	23%
Assets	$164.4M -2.4% YoY+0.6% QoQ	$-67.3M	$231.7M +0.8% YoY	$1.3B +11.9% YoY	$578.3M +9.0% YoY	37%
Loans	$136.4M -1.3% YoY+2.8% QoQ	$-7.7M	$144.1M +0.2% YoY	$985.7M +12.1% YoY	$402.4M +8.7% YoY	57%
Deposits	$137.6M +2.2% YoY+2.8% QoQ	$-63.5M	$201.1M +0.4% YoY	$1.1B +11.5% YoY	$494.3M +9.1% YoY	35%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	0.5% +77.2% YoY+1.1% QoQ	-0.2%	0.7% +5.1% YoY	0.4% -49.8% YoY	0.4% -39.2% YoY	36%
NIM	2.8% +13.0% YoY-0.6% QoQ	-0.8%	3.6% +4.6% YoY	3.4% +1.0% YoY	3.8% +4.1% YoY	Bottom 8.6% in tier
Efficiency Ratio	71.9% -11.8% YoY-6.2% QoQ	-6.1%	78.0% -1.7% YoY	74.1% +0.8% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.9% +327.6% YoY-23.7% QoQ	+0.1	0.8% +7.1% YoY	0.7% +20.4% YoY	1.2% +3.4% YoY	68%
Loan To Share	99.1% -3.4% YoY-0.0% QoQ	+28.7%	70.4% -0.4% YoY	75.0% -3.9% YoY	65.6% -1.4% YoY	Top 2.0% in tier
AMR	$31,409 +0.6% YoY+2.0% QoQ	+$6K	$24,918 +2.7% YoY	$21,837 +4.8% YoY	$19,920 +1.6% YoY	84%
CD Concentration	24.0% +7.3% YoY+10.9% QoQ	-0.3%	24.3%	28.4%	19.8%	50%
Indirect Auto %	28.5% -18.1% YoY-0.4% QoQ	+14.7%	13.8%	7.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#79 of 727 • 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): 0.65% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Liquidity Strain

risk

#81 of 183 • 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: 99.14%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.27%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#425 of 504 • 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): -2.44%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.48%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.17%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (3 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 99.14%

Peer Median: 71.88%

#21 of 1070 Top 1.9% in 100M-500M tier

100

Loan-to-Member Ratio (LMR)

engagement

Value: $15,637

Peer Median: $9,356

#100 of 1070 Top 9.3% in 100M-500M tier

167

Average Member Relationship (AMR)

engagement

Value: $31,409

Peer Median: $22,931

#167 of 1070 Top 15.5% in 100M-500M tier

Top Weaknesses (5 metrics)

986

Asset Growth Rate

growth

Value: -2.44%

Peer Median: 3.91%

#986 of 1070 Bottom 7.9% in 100M-500M tier

978

Net Interest Margin (NIM)

profitability

Value: 2.80%

Peer Median: 3.62%

#978 of 1070 Bottom 8.7% in 100M-500M tier

887

Indirect Auto Concentration (%)

balance_sheet

Value: 28.48%

Peer Median: 6.61%

#887 of 1070 Bottom 17.2% in 100M-500M tier

848

Net Worth Ratio

risk

Value: 9.48%

Peer Median: 11.45%

#848 of 1070 Bottom 20.8% in 100M-500M tier

826

Total Members

engagement

Value: 8,725

Peer Median: 13,200

#826 of 1070 Bottom 22.9% in 100M-500M tier