BlastPoint's Credit Union Scorecard
HERCULES FIRST
Charter #24902 · UT
HERCULES FIRST has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 2.5% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15.6% in tier
- - Shrinking Wallet Share: Bottom 17.9% in tier
- - Indirect Auto Dependency: Bottom 28.3% in tier
- - Credit Quality Pressure: Bottom 29.2% in tier
- - ROA 0.25% below tier average
- - Delinquency rate 0.06% above tier average
- - Asset Growth Rate: Bottom 7.1% in tier
- - Net Interest Margin (NIM): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,707
0% YoY-0.1% QoQ
|
-6.9K |
15,628
-3.4% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$164.5M
-3.0% YoY-3.0% QoQ
|
$-66.8M |
$231.3M
-0.0% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$133.8M
-4.2% YoY-4.8% QoQ
|
$-14.0M |
$147.8M
-1.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$133.5M
+1.3% YoY-0.6% QoQ
|
$-66.8M |
$200.3M
-0.0% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.5%
+62.5% YoY+32.6% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
2.7%
+15.6% YoY+4.6% QoQ
|
-0.9% |
3.6%
+6.9% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.1% in tier |
| Efficiency Ratio |
75.7%
-6.7% YoY-4.0% QoQ
|
-1.5% |
77.3%
-3.0% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.9%
+0.5% YoY+155.1% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
100.2%
-5.5% YoY-4.2% QoQ
|
+27.5% |
72.7%
-1.5% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 2.6% in tier |
| AMR |
$30,697
-1.5% YoY-2.6% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 14.9% in tier |
| CD Concentration |
21.6%
-7.0% YoY-3.1% QoQ
|
-2.8% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.2%
-22.1% YoY-14.8% QoQ
|
+14.3% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)