BlastPoint's Credit Union Scorecard
HI-LAND
Charter #61453 · UT
<100M
2508 CUs in <100M nationally
29 in UT
HI-LAND has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 0.9% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
- + Loan-to-Member Ratio (LMR): Top 3.1% in tier
- + Net Worth Ratio: Top 8.0% in tier
- + Average Member Relationship (AMR): Top 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 14.45% below tier average
- - Efficiency ratio 18.76% above tier (higher cost structure)
- - Member decline: -11.9% YoY
- - Asset Growth Rate: Bottom 1.7% in tier
- - Deposit Growth Rate: Bottom 1.9% in tier
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Member Growth Rate: Bottom 4.7% in tier
- - Net Interest Margin (NIM): Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,376
-11.9% YoY-11.0% QoQ
|
-300 |
2,676
+1.6% YoY
|
80,723
+8.1% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$37.9M
-15.9% YoY-6.6% QoQ
|
+$7.7M |
$30.2M
+1.3% YoY
|
$1.3B
+11.9% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$31.5M
-10.9% YoY-3.7% QoQ
|
+$16.2M |
$15.3M
-2.0% YoY
|
$985.7M
+12.1% YoY
|
$402.4M
+8.7% YoY
|
84% |
| Deposits |
$27.5M
-17.7% YoY-4.6% QoQ
|
+$1.7M |
$25.8M
+0.7% YoY
|
$1.1B
+11.5% YoY
|
$494.3M
+9.1% YoY
|
62% |
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| ROA |
-14.3%
+1175.0% YoY+16275.5% QoQ
|
-14.4% |
0.1%
-77.6% YoY
|
0.4%
-49.8% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.7% in tier |
| NIM |
2.6%
+34.6% YoY+1.9% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.4%
+1.0% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.9% in tier |
| Efficiency Ratio |
109.4%
-18.9% YoY+9.2% QoQ
|
+18.8% |
90.6%
+6.5% YoY
|
74.1%
+0.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 9.8% in tier |
| Delinquency Rate | 0.1% | -1.4 |
1.5%
+3.8% YoY
|
0.7%
+20.4% YoY
|
1.2%
+3.4% YoY
|
18% |
| Loan To Share |
114.5%
+8.3% YoY+1.0% QoQ
|
+56.0% |
58.5%
-3.0% YoY
|
75.0%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 1.0% in tier |
| AMR |
$24,844
-2.6% YoY+7.7% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$21,837
+4.8% YoY
|
$19,920
+1.6% YoY
|
Top 8.7% in tier |
| CD Concentration |
26.1%
+3.1% YoY-10.2% QoQ
|
+1.8% | 24.3% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.7% | 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
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
23
Loan-to-Share Ratio
balance_sheet
Value:
114.54%
Peer Median: 58.72%
#23 of 2508
Top 0.9% in <100M tier
79
Members Per Employee (MPE)
engagement
Value:
792.000
Peer Median: 333.750
#79 of 2508
Top 3.1% in <100M tier
79
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,264
Peer Median: $4,923
#79 of 2508
Top 3.1% in <100M tier
202
Net Worth Ratio
risk
Value:
27.17%
Peer Median: 14.28%
#202 of 2508
Top 8.0% in <100M tier
219
Average Member Relationship (AMR)
engagement
Value:
$24,844
Peer Median: $13,926
#219 of 2508
Top 8.7% in <100M tier
393
Total Loans
balance_sheet
Value:
$31.52M
Peer Median: $9.48M
#393 of 2508
Top 15.6% in <100M tier
447
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Median: 0.65%
#447 of 2508
Top 17.8% in <100M tier
Top Weaknesses (10 metrics)
2490
Return on Assets (ROA)
profitability
Value:
-14.30%
Peer Median: 0.61%
#2490 of 2508
Bottom 0.8% in <100M tier
2467
Asset Growth Rate
growth
Value:
-15.91%
Peer Median: 1.30%
#2467 of 2508
Bottom 1.7% in <100M tier
2461
Deposit Growth Rate
growth
Value:
-17.74%
Peer Median: 0.66%
#2461 of 2508
Bottom 1.9% in <100M tier
2432
First Mortgage Concentration (%)
balance_sheet
Value:
63.97%
Peer Median: 3.66%
#2432 of 2508
Bottom 3.1% in <100M tier
2392
Member Growth Rate
growth
Value:
-11.90%
Peer Median: -1.37%
#2392 of 2508
Bottom 4.7% in <100M tier
2285
Net Interest Margin (NIM)
profitability
Value:
2.57%
Peer Median: 3.83%
#2285 of 2508
Bottom 8.9% in <100M tier
2262
Efficiency Ratio
profitability
Value:
109.39%
Peer Median: 81.45%
#2262 of 2508
Bottom 9.8% in <100M tier
2077
Net Charge-Off Rate
risk
Value:
0.83%
Peer Median: 0.07%
#2077 of 2508
Bottom 17.2% in <100M tier
2013
Loan Growth Rate
growth
Value:
-10.90%
Peer Median: -2.36%
#2013 of 2508
Bottom 19.8% in <100M tier
1924
Share Certificate Concentration (%)
balance_sheet
Value:
26.07%
Peer Median: 12.45%
#1924 of 2508
Bottom 23.3% in <100M tier