State credit union · SALT LAKE CITY, Utah · NCUA charter #61453
Hi-land
Health score 66/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $40.5M
- Total assets
- 2,670
- Members
- 20.7%
- Net-worth ratio
Hi-land - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #61453 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Hi-land - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth34
- Liquidity (loan-to-share)36
Weighted composite: 66/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
20.68% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.68% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | -0.95% | 15% |
| Member Growth | -2.20% | 15% |
| Loan-to-Share Ratio | 113.45% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Hi-land
Hi-land is a state credit union headquartered in SALT LAKE CITY, Utah, serving 2,670 members with $40.5M in total assets and $32.7M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 66/100 (Good), anchored by a net worth ratio of 20.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #61453 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.00% measures loans 60+ days past due against total loans outstanding - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. The loan-to-share ratio of 113.45% indicates how aggressively member deposits are being deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.95% on net income of $-386449 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.20%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Other). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Hi-land financially healthy?
Hi-land has a financial health score of 66/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.68% and delinquency rate of 0.00%.
How does Hi-land compare to other credit unions?
Hi-land scores 66/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Hi-land are 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 20.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Hi-land offer compared to banks?
Credit unions like Hi-land are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Hi-land directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.