State credit union · SAINT JOSEPH, Missouri · NCUA charter #63420
District One Highway
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $30.1M
- Total assets
- 2,091
- Members
- 18.5%
- Net-worth ratio
District One Highway scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $30.1M; members 2,091; net-worth ratio 18.53%; health rank #2,534 of 4,374; healthier than 39th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,534 of 4,374 health · 2025Q4District One Highway · health 81/100 · $30.1M · 2025Q4
Call Report peers
District One Highway in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
District One Highway vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); District One Highway sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
District One Highway vs $10M–$50M peers
- Largest favorable gap: Net Worth Ratio at 18.53% vs peer 14.86% (+3.67 pp).
- Largest lag: Loan-to-Share Ratio at 28.27% vs peer 59.80% (-31.53 pp).
District One Highway: in-state Call Report ranks
- In Missouri, health place is #52 of 89 on the same NCUA-ratio sort used nationally.
- By total assets, District One Highway is #50 of 89 in Missouri.
- Member book place in Missouri: #57 of 89.
- One place up in Missouri, Missouri Baptist (#51) scores 82/100, 1 point higher; one place down, Shelter Insurance (#53) ties at 81/100.
District One Highway Call Report trajectory
District One Highway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.9% from $30.1M (2025Q4) to $30.4M (2026Q1).
- Net-worth ratio shifted +0.13 pp (18.40% → 18.53%).
18.53% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
District One Highway gives up 19 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 8.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.53% | +3.67 pp |
| Delinquency Rate | 0.00% | -1.15 pp |
| Return on Assets | 0.79% | +0.08 pp |
| Member Growth | -3.42% | - |
| Loan-to-Share Ratio | 28.27% | -31.53 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $30.4M | - |
| 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
Branch Location
District One Highway operates a single office in Saint Joseph, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| District One Highway Credit Union (Main Office) | Saint Joseph, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
More federally-insured credit unions based in Missouri, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- District One Highway ranks #2,534 of 4,374 nationally on financial health and #52 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Highway Alliance is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Highway Alliance
Frequently Asked Questions
Is District One Highway financially healthy?
District One Highway has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,534 of 4,374 nationally on health and #52 of 89 in Missouri. Its net worth ratio is 18.53% and its delinquency rate 0.00%.
How does District One Highway compare to other credit unions?
District One Highway scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (18.53% vs 14.86%). Its widest shortfall is loan-to-share ratio (28.27% vs 59.80%).
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?
District One Highway 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. District One Highway's net worth ratio of 18.53% 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.