State credit union · SAINT JOSEPH, Missouri · NCUA charter #63420
District One Highway
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $30.1M
- Total assets
- 2,091
- Members
- 1.2%
- Net-worth ratio
District One Highway - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #63420, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
District One Highway - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)10
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth19
- Liquidity (loan-to-share)57
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
1.18% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 1.18% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 0.79% | 15% |
| Member Growth | -3.42% | 15% |
| Loan-to-Share Ratio | 28.27% | 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 | $30.1M | 2,091 |
| 2024Q4 | $31.7M | 2,165 |
| 2023Q4 | $31.9M | 2,120 |
Credit Union Details
- Charter Number
- 63420
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- SAINT JOSEPH
- Data Quarter
- 2025Q4
What This Data Says About District One Highway
2,091 members and $30.1M in total assets sit behind District One Highway, a state credit union in SAINT JOSEPH, Missouri, which posts a health score of 54/100 (Fair) on the five-factor composite, with $6.9M in outstanding loans as of Q4 2025 and a net worth ratio of 1.18% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #63420 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Two more numbers round out the picture: a 0.00% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers - and a 28.27% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.79% on net income of $238K 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 -3.42%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match 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 District One Highway financially healthy?
District One Highway scores 54/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 1.18% net worth ratio and a 0.00% delinquency rate.
How does District One Highway compare to other credit unions?
On PlainCU's health composite, District One Highway lands at 54/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 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 District One Highway?
Membership eligibility for District One Highway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact District One Highway directly for current membership requirements and application steps.
Is my money safe at District One Highway?
Federal credit unions like District One Highway 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. District One Highway's net worth ratio of 1.18% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does District One Highway offer compared to banks?
Credit unions like District One Highway 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 District One Highway 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.