HERCULES FIRST
Charter #24902 · SALT LAKE CITY, UT · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 8,725 sits at the 20th percentile of structural peers — worth a closer look.
- Net interest margin of 2.81% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 2.26% sits at the 92nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 71.88% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net worth ratio, the asset-size band puts this credit union at the 21st percentile but its structural peers at the 38th — a 17-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HERCULES FIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $164.41M | 37th pct | 38th pct |
| Members | 8,725 | 23th pct | 20th pct |
| Net worth ratio | 9.48% | 21th pct | 38th pct |
| Return on average assets | 0.49% | 36th pct | 44th pct |
| Net interest margin | 2.81% | 8th pct | 2th pct |
| Cost of funds | 2.26% | 94th pct | 92th pct |
| Loan-to-share | 99.14% | 98th pct | 97th pct |
| Delinquency 60+ days | 0.85% | 68th pct | 64th pct |
| Net charge-off ratio | 0.44% | 58th pct | 48th pct |
| Loan growth YoY | 2.00% | 66th pct | 52th pct |
| Share growth YoY | 3.07% | 44th pct | 49th pct |
| Efficiency ratio | 71.88% | 29th pct | 25th pct |
structural peer set hash: a43dc9d394dca03b5c06a5c7b9d52031… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.