Hercules First Federal Credit Union
Major Rating Factors:
A current level of 20.2 percent of nonperforming loans to core capital contributes to the Fair asset quality (3.7). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 0.6 has resulted in Good (5.1) profitability.
Other Rating Factors:
Good current capitalization (6.6 on a scale of 0 to 10) based on a net capital to total assets of 9.0 and a net worth ratio of 9.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.8 on a scale of 0 to 10).
Asset Mix:
Home mtgs (36%), consumer loans (29%), comm loans (6%), securities (2%), other (27%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
3141 West 4700 South
Salt Lake City, UT 84129
Salt Lake City, UT 84129
Phone Number
(801) 968-9011
NCUA Charter Number
Website
Largest Competitors
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT
Salt Lake City, UT