NEW HEIGHTS
Charter #24763 | UT
<100M
(2596 CUs)
Micro
($0-$500M)
30 <100M in UT
NEW HEIGHTS has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Member decline: -3.4% YoY
- - Net Interest Margin (NIM): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,231
-3.4% YoY-0.8% QoQ
|
-394 |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
56th in tier |
| Assets |
$29.2M
+1.1% YoY+3.6% QoQ
|
$-647K |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
59th in tier |
| Loans |
$12.6M
-3.1% YoY+0.0% QoQ
|
$-3.1M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
57th in tier |
| Deposits |
$25.2M
+1.3% YoY+4.1% QoQ
|
$-225K |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
0.4%
-157.5% YoY-15.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
31st in tier |
| NIM |
2.4%
+38.0% YoY+3.4% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio |
79.7%
-40.4% YoY-3.3% QoQ
|
-1.7% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
54th in tier |
| Delinquency Rate |
0.5%
+1180.5% YoY+100.0% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
43rd in tier |
| Loan To Share |
50.1%
-4.4% YoY-3.9% QoQ
|
-11.1% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$16,976
+3.3% YoY+3.5% QoQ
|
+$2K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
21.3%
-1.3% YoY-6.2% QoQ
|
-3.1% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (2 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
261
Members Per Employee (MPE)
engagement
Value:
557.750
Peer Avg: 365.701
#261 of 2596
Top 10.0% in <100M tier
Top Weaknesses (2 metrics)
2416
Net Interest Margin (NIM)
profitability
Value:
2.45%
Peer Avg: 3.93%
#2416 of 2596
Bottom 7.0% in <100M tier
2123
First Mortgage Concentration (%)
balance_sheet
Value:
32.38%
Peer Avg: 14.49%
#2123 of 2596
Bottom 18.3% in <100M tier