BlastPoint's Credit Union Scorecard
HI-LAND
Charter #61453 · UT
2596 CUs in <100M nationally
30 in UT
HI-LAND has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.8% in tier
- + Net Worth Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 24.25% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Deposit Growth Rate: Bottom 0.9% in tier
- - Asset Growth Rate: Bottom 1.0% in tier
- - First Mortgage Concentration (%): Bottom 1.9% in tier
- - AMR Growth Rate: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 6.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,681
-2.7% YoY-0.4% QoQ
|
+55 |
2,625
-2.2% YoY
|
76,315
+6.4% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$40.8M
-23.5% YoY-3.4% QoQ
|
+$11.0M |
$29.9M
+1.1% YoY
|
$1.2B
+10.2% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$33.9M
-12.3% YoY-2.0% QoQ
|
+$18.2M |
$15.8M
-2.4% YoY
|
$924.9M
+10.2% YoY
|
$388.7M
+8.6% YoY
|
Top 14.8% in tier |
| Deposits |
$29.1M
-29.8% YoY-4.8% QoQ
|
+$3.7M |
$25.5M
+0.4% YoY
|
$1.1B
+10.6% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
-0.3%
-62.5% YoY-37.2% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.9%
+11.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.5% in tier |
| NIM |
2.4%
+67.0% YoY+7.3% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.4%
+7.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio |
105.6%
-22.1% YoY-3.2% QoQ
|
+24.3% |
81.4%
-2.4% YoY
|
71.6%
-3.7% YoY
|
79.1%
-3.3% YoY
|
Top 8.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.7%
+11.8% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
116.5%
+24.9% YoY+3.0% QoQ
|
+55.3% |
61.2%
-3.0% YoY
|
78.2%
-2.6% YoY
|
68.0%
-1.7% YoY
|
Top 1.2% in tier |
| AMR |
$23,528
-19.2% YoY-2.9% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$21,167
+3.5% YoY
|
$19,418
+1.3% YoY
|
Top 10.8% in tier |
| CD Concentration |
30.3%
-38.1% YoY+12.9% QoQ
|
+5.9% |
24.4%
+4.2% YoY
|
27.9%
+4.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.4%
-10.5% YoY
|
7.9%
-2.9% YoY
|
50% |
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
27
Loan-to-Share Ratio
balance_sheet
Value:
116.49%
Peer Avg: -
#27 of 2596
Top 1.0% in <100M tier
99
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,660
Peer Avg: -
#99 of 2596
Top 3.8% in <100M tier
185
Net Worth Ratio
risk
Value:
28.41%
Peer Avg: -
#185 of 2596
Top 7.1% in <100M tier
281
Average Member Relationship (AMR)
engagement
Value:
$23,528
Peer Avg: -
#281 of 2596
Top 10.8% in <100M tier
307
Members Per Employee (MPE)
engagement
Value:
536.200
Peer Avg: -
#307 of 2596
Top 11.8% in <100M tier
384
Total Loans
balance_sheet
Value:
$33.94M
Peer Avg: -
#384 of 2596
Top 14.8% in <100M tier
Top Weaknesses (9 metrics)
2574
Deposit Growth Rate
growth
Value:
-29.79%
Peer Avg: -
#2574 of 2596
Bottom 0.9% in <100M tier
2572
Asset Growth Rate
growth
Value:
-23.55%
Peer Avg: -
#2572 of 2596
Bottom 1.0% in <100M tier
2548
First Mortgage Concentration (%)
balance_sheet
Value:
72.46%
Peer Avg: -
#2548 of 2596
Bottom 1.9% in <100M tier
2535
AMR Growth Rate
growth
Value:
-19.17%
Peer Avg: -
#2535 of 2596
Bottom 2.4% in <100M tier
2420
Net Interest Margin (NIM)
profitability
Value:
2.44%
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2385
Efficiency Ratio
profitability
Value:
105.65%
Peer Avg: -
#2385 of 2596
Bottom 8.2% in <100M tier
2297
Return on Assets (ROA)
profitability
Value:
-0.26%
Peer Avg: -
#2297 of 2596
Bottom 11.6% in <100M tier
2186
Loan Growth Rate
growth
Value:
-12.35%
Peer Avg: -
#2186 of 2596
Bottom 15.8% in <100M tier
2164
Share Certificate Concentration (%)
balance_sheet
Value:
30.31%
Peer Avg: -
#2164 of 2596
Bottom 16.7% in <100M tier