BlastPoint's Credit Union Scorecard
HERCULES FIRST
Charter #24902 · UT
HERCULES FIRST has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.4% in tier
- - Liquidity Strain: Bottom 52.0% in tier
- - Stagnation Risk: Bottom 52.6% in tier
- - Indirect Auto Dependency: Bottom 80.8% in tier
- - Institutional Decline: Bottom 87.5% in tier
- - Membership Headwinds: Bottom 91.0% in tier
- - Accelerating Exit Risk: Bottom 100.0% in tier
- - Shrinking Wallet Share: Bottom 100.0% in tier
- - ROA 0.28% below tier average
- - Delinquency rate 0.23% above tier average
- - Asset Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,660
-0.8% YoY-0.5% QoQ
|
-6.8K |
15,437
-2.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$163.4M
-2.2% YoY-0.7% QoQ
|
$-68.5M |
$231.9M
+1.3% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
36% |
| Loans |
$132.7M
-4.2% YoY-0.8% QoQ
|
$-14.6M |
$147.3M
-0.1% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$133.8M
+1.7% YoY+0.2% QoQ
|
$-67.0M |
$200.8M
+0.8% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
33% |
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| ROA |
0.5%
+58.0% YoY-9.1% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
2.8%
+19.1% YoY+4.6% QoQ
|
-0.8% |
3.6%
+6.7% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 11.3% in tier |
| Efficiency Ratio |
76.6%
-7.1% YoY+1.2% QoQ
|
-0.4% |
77.0%
-3.1% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
48% |
| Delinquency Rate |
1.1%
+182.2% YoY+22.1% QoQ
|
+0.2 |
0.9%
+4.2% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
99.2%
-5.8% YoY-1.0% QoQ
|
+26.9% |
72.2%
-1.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.1% in tier |
| AMR |
$30,780
-0.5% YoY+0.3% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
21.6%
-4.0% YoY+0.0% QoQ
|
-2.8% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % |
28.6%
-20.2% YoY+1.3% QoQ
|
+14.8% | 13.8% | 7.4% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (8)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)