State credit union · SALT LAKE CITY, Utah · NCUA charter #61453
HI-LAND
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $40.5M
- Total assets
- 2,670
- Members
- 27.2%
- Net-worth ratio
HI-LAND scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.5M; members 2,670; net-worth ratio 27.17%; health rank #3,799 of 4,374; healthier than 12th of scored peers.
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NCUA 5300 Call Report Masthead
#3,799 of 4,374 health · 2025Q4HI-LAND · health 66/100 · $40.5M · 2025Q4
Call Report peers
HI-LAND in the assets neighbourhood
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HI-LAND vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); HI-LAND sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where HI-LAND diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +53.65 pp (113.45% vs 59.80%).
- Widest shortfall vs peers is Return on Assets: -1.66 pp (-0.95% vs 0.70%).
Utah standing for HI-LAND
- Health composite ranks #48 of 53 among scored Utah credit unions.
- By total assets, HI-LAND is #32 of 53 in Utah.
- Membership ranks #33 of 53 among Utah CUs with a reported count (2,670 members).
- One place up in Utah, New Heights (#47) scores 67/100, 1 point higher; one place down, Logan Medical (#49) ties at 66/100.
HI-LAND: 2025Q4 → 2026Q1
HI-LAND: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -6.6% from $40.5M (2025Q4) to $37.9M (2026Q1).
- Net-worth ratio shifted -1.55 pp (28.72% → 27.17%).
27.17% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 66/100 score is built
HI-LAND gives up 34 points in total. Return on Assets costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 6.0 pts
HI-LAND health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 27.17% | +12.31 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | -0.95% | -1.66 pp |
| Member Growth | -2.20% | - |
| Loan-to-Share Ratio | 113.45% | +53.65 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - HI-LAND
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $37.9M | - |
| 2025Q4 | $40.5M | 2,670 |
| 2024Q4 | $50.7M | 2,730 |
| 2023Q4 | $56.3M | 2,779 |
Credit Union Details
- Charter Number
- 61453
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Utah
- City
- SALT LAKE CITY
- Data Quarter
- 2025Q4
Branch Location
HI-LAND operates a single office in MURRAY, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HI-LAND CREDIT UNION (Main Office) | MURRAY, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- HI-LAND ranks #3,799 of 4,374 nationally on financial health and #48 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Lu 354 I B E W is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Lu 354 I B E W
Frequently Asked Questions
Is HI-LAND financially healthy?
On its 2025Q4 NCUA 5300 filing, HI-LAND scores 66/100 (Good), with a 27.17% net worth ratio and 0.00% of loans delinquent. It ranks #3,799 of 4,374 nationally on health and #48 of 53 in Utah.
How does HI-LAND compare to other credit unions?
HI-LAND scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (113.45% vs 59.80%). Its widest shortfall is return on assets (-0.95% vs 0.70%).
How can I join HI-LAND?
Membership eligibility for HI-LAND depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact HI-LAND directly for current membership requirements and application steps.
Is my money safe at HI-LAND?
HI-LAND is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. HI-LAND's net worth ratio of 27.17% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.