BlastPoint's Credit Union Scorecard
HI-LAND
Charter #61453 · UT
2556 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
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.1% in tier
- + Loan-to-Member Ratio (LMR): Top 4.4% in tier
- + Net Worth Ratio: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 17.60% above tier (higher cost structure)
- - Member decline: -2.2% YoY
- - Deposit Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 1.3% in tier
- - First Mortgage Concentration (%): Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 2.9% in tier
- - Net Interest Margin (NIM): Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (UT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,670
-2.2% YoY-0.4% QoQ
|
+54 |
2,615
-1.9% YoY
|
78,581
+8.3% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$40.5M
-20.0% YoY-0.7% QoQ
|
+$10.4M |
$30.1M
+2.1% YoY
|
$1.2B
+12.9% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$32.7M
-9.5% YoY-3.6% QoQ
|
+$17.0M |
$15.8M
-1.3% YoY
|
$958.3M
+12.4% YoY
|
$397.0M
+8.8% YoY
|
84% |
| Deposits |
$28.9M
-25.9% YoY-1.0% QoQ
|
+$3.2M |
$25.7M
+1.4% YoY
|
$1.1B
+12.7% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
-0.1%
-88.2% YoY-66.7% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.8%
+12.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.2% in tier |
| NIM |
2.5%
+70.5% YoY+3.3% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.4%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
100.2%
-26.1% YoY-5.2% QoQ
|
+17.6% |
82.6%
-2.3% YoY
|
72.6%
-3.7% YoY
|
79.7%
-3.3% YoY
|
Top 11.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.0%
+50.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
113.4%
+22.2% YoY-2.6% QoQ
|
+52.8% |
60.6%
-3.1% YoY
|
76.7%
-4.3% YoY
|
67.4%
-1.7% YoY
|
Top 1.2% in tier |
| AMR |
$23,064
-16.2% YoY-2.0% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$21,704
+5.2% YoY
|
$19,687
+2.0% YoY
|
Top 11.8% in tier |
| CD Concentration |
29.0%
-37.5% YoY-4.2% QoQ
|
+4.6% | 24.4% | 28.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.4% | 7.8% | 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 Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
29
Loan-to-Share Ratio
balance_sheet
Value:
113.45%
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
113
Loan-to-Member Ratio (LMR)
engagement
Value:
$12,259
Peer Median: -
#113 of 2556
Top 4.4% in <100M tier
179
Net Worth Ratio
risk
Value:
28.72%
Peer Median: -
#179 of 2556
Top 7.0% in <100M tier
302
Average Member Relationship (AMR)
engagement
Value:
$23,064
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
302
Members Per Employee (MPE)
engagement
Value:
534.000
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
397
Total Loans
balance_sheet
Value:
$32.73M
Peer Median: -
#397 of 2556
Top 15.5% in <100M tier
Top Weaknesses (9 metrics)
2530
Deposit Growth Rate
growth
Value:
-25.94%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2524
Asset Growth Rate
growth
Value:
-20.03%
Peer Median: -
#2524 of 2556
Bottom 1.3% in <100M tier
2507
First Mortgage Concentration (%)
balance_sheet
Value:
72.97%
Peer Median: -
#2507 of 2556
Bottom 2.0% in <100M tier
2482
AMR Growth Rate
growth
Value:
-16.19%
Peer Median: -
#2482 of 2556
Bottom 2.9% in <100M tier
2349
Net Interest Margin (NIM)
profitability
Value:
2.52%
Peer Median: -
#2349 of 2556
Bottom 8.1% in <100M tier
2277
Efficiency Ratio
profitability
Value:
100.15%
Peer Median: -
#2277 of 2556
Bottom 11.0% in <100M tier
2192
Return on Assets (ROA)
profitability
Value:
-0.09%
Peer Median: -
#2192 of 2556
Bottom 14.3% in <100M tier
2083
Share Certificate Concentration (%)
balance_sheet
Value:
29.04%
Peer Median: -
#2083 of 2556
Bottom 18.5% in <100M tier
1984
Loan Growth Rate
growth
Value:
-9.51%
Peer Median: -
#1984 of 2556
Bottom 22.4% in <100M tier