Credit Union Safety Analysis
Is Hi-Land Credit Union Safe? Murray, Utah
Based on its Q2 2026 NCUA 5300 call report, Hi-Land Credit Union has a net worth ratio of 26.81%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.03%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Hi-Land Credit Union's net worth ratio is 26.81%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 26.81%
- Delinquency ratio (60+ days) (Q2 2026): 0.03%
- Return on assets (Q2 2026): -1.43%
- Loan-to-share ratio (Q2 2026): 112.12%
Hi-Land Credit Union (NCUA charter 61453, established 1957) reported $37.9M in assets and 2,234 members for Q2 2026 from Murray, Utah. It ranks 32 of 50 credit unions in Utah by total assets. Total assets fell 10.4% from $42.3M on June 30, 2025. It has 458 fewer members than on June 30, 2025 (-17.0%). Its net worth ratio was down 0.60 percentage points from 27.41% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $23.6M of $31.0M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.03% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 27.17% for Q1 2026; 27.41% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.05% for Q1 2026; 0.10% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -14.30% for Q1 2026; 0.41% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 114.54% for Q1 2026; 113.13% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $23.6M
- Used vehicle loans: $3.2M
- New vehicle loans: $2.4M
- Other secured non-real estate loans and lines of credit: $967K
- Unsecured credit card loans: $514K
- Commercial loans: $210K
- Other unsecured loans and lines of credit: $84K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $37.9M | 26.81% | 0.03% | -1.43% | 112.12% |
| March 31, 2026 | $37.9M | 27.17% | 0.05% | -14.30% | 114.54% |
| December 31, 2025 | $40.5M | 28.72% | — | 0.46% | 113.45% |
| September 30, 2025 | $40.8M | 28.41% | — | 0.09% | 116.49% |
| June 30, 2025 | $42.3M | 27.41% | 0.10% | 0.41% | 113.13% |
| March 31, 2025 | $45.0M | 25.57% | — | -1.19% | 105.76% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Regulator records: NCUA credit union profile (charter 61453) · FFIEC NIC profile (RSSD 978190)
Frequently asked questions
Is Hi-Land Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Hi-Land Credit Union's net worth ratio is 26.81%, above the 7% NCUA threshold for well capitalized.
Is Hi-Land Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Hi-Land Credit Union is a federally insured credit union (NCUA charter 61453): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Hi-Land Credit Union's key safety ratios?
For Q2 2026, Hi-Land Credit Union reports net worth 26.81%, delinquency 0.03%, ROA -1.43%, loan-to-share 112.12%.
What happens to my money if Hi-Land Credit Union fails?
For Q2 2026, Hi-Land Credit Union held $27.6M in shares and deposits for 2,234 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.