Hercules First

SALT LAKE CITY, UT · 1 · Charter #24902 · www.herculescu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$163.4M
77th percentile
Members
8,660
59th percentile
Total loans
$132.7M
91th percentile
Total shares
$110.0M
62th percentile

Profitability

Return on assets
0.28%
9th percentile
Net interest margin
2.82%
12th percentile
Efficiency ratio
47.41%
87th percentile
Non-interest income ratio
9.86%
15th percentile

Capital & Risk

Net worth ratio
9.42%
16th percentile
Delinquency rate
1.12%
28th percentile
Net charge-off rate
0.35%
48th percentile
Loan-to-share
120.64%
99th percentile

Growth

Member growth YoY
-0.84%
47th percentile
Asset growth YoY
-2.17%
10th percentile
Loan growth YoY
-4.23%
20th percentile
Share growth YoY
1.70%
35th percentile

Operations

Members / branch
2,887
45th percentile
Assets / member
$18,868
80th percentile
Field of membership penetration
0.36%
3th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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