Hi-Land Credit Union

Hi-Land Credit Union is headquartered in SALT LAKE CITY and is the 30^th largest credit union in the state of Utah. It is also the 2,683^rd largest credit union in the nation. It was established in 1957 and as of December of 2011, it had grown to 3 employees and 2,811 members. Hi-Land Credit Union's savings rates are 92% higher than the national average, and it boasts a 5-star health rating.

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Data for Q4 2011

Institution Statistics HI-LAND NCUA # 61453 BankRate Report View Year Chartered 1957 Employees 3 Primary Regulator Assets and Liabilities Assets $35.84 million Loans $20.91 million Deposits $29.85 million Equity Capital $5.97 million Loan Loss Allowance $186,000 Unbacked Noncurrent Loans $104,000 Historic Data - December 2010 Assets $37.04 million Equity Capital $5.56 million Loan Loss Allowance $189,000 Unbacked Noncurrent Loans $222,000 Profit Margin - Quarterly Net Interest Margin 5.14% Return on Assets 1.15% Return on Equity 6.9% Interest Income $1.55 million Non-Interest Income $120,000

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Hi-Land Credit Union had $104,000 in non-current loans and owned real-estate with $6.15 million in equity and loan loss allowances on hand to cover it. This gives Hi-Land Credit Union a Texas Ratio of 1.69% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Hi-Land Credit Union decreased significantly from 3.86% as of December 31, 2010 to 1.69% as of December 31, 2011, resulting in a positive change of 56.27%.This indicates that the balance sheet and financial strength for Hi-Land Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Hi-Land Credit Union has decreased its total deposits by -$1.6 million, resulting in -5.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Hi-Land Credit Union has shown is poor. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Hi-Land Credit Union has $35.84 million in assets with $6.15 million in equity, resulting in a capitalization level of 17.17%, which is excellent.

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