Federal credit union · Hughestown, Pennsylvania · NCUA charter #20691
HIGHWAY
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $34.5M
- Total assets
- 2,512
- Members
- 18.0%
- Net-worth ratio
HIGHWAY scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $34.5M; members 2,512; net-worth ratio 17.98%; health rank #2,535 of 4,374; healthier than 39th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#2,535 of 4,374 health · 2025Q4HIGHWAY · health 81/100 · $34.5M · 2025Q4
Call Report peers
HIGHWAY in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
HIGHWAY vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); 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
Where HIGHWAY diverges from peer averages
- Net Worth Ratio leads the peer set - 17.98% here, 14.86% peer average (+3.12 pp).
- Loan-to-Share Ratio trails the peer set - 43.61% here, 59.80% peer average (-16.19 pp).
HIGHWAY: in-state Call Report ranks
- Health composite ranks #133 of 275 among scored Pennsylvania credit unions.
- Assets rank #146 of 275 inside Pennsylvania ($34.5M reported).
- Member book place in Pennsylvania: #149 of 275.
- One place up in Pennsylvania, Northampton Area School Dist. Emps (#132) ties at 81/100; one place down, ALLENTOWN (#134) ties at 81/100.
How HIGHWAY's 5300 filing moved
HIGHWAY: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $34.5M (2025Q4) to $35.0M (2026Q1).
- Net-worth ratio shifted +0.06 pp (17.92% → 17.98%).
17.98% 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
HIGHWAY gives up 19 points in total. Delinquency Rate costs the most, 9.2 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 15.8 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 10.2 pts
HIGHWAY health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.98% | +3.12 pp |
| Delinquency Rate | 1.56% | +0.41 pp |
| Return on Assets | 1.46% | +0.75 pp |
| Member Growth | 0.84% | - |
| Loan-to-Share Ratio | 43.61% | -16.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $35.0M | - |
| 2025Q4 | $34.5M | 2,512 |
| 2024Q4 | $30.5M | 2,491 |
| 2023Q4 | $29.2M | 2,473 |
Credit Union Details
- Charter Number
- 20691
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- Hughestown
- Data Quarter
- 2025Q4
Branch Locations (4)
Per its most recent NCUA branch filing, HIGHWAY runs 4 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| HIGHWAY FCU (Main Office) | Hughestown, PA |
| UFCW | pittston, PA |
| CUSA | SALT LAKE CITY, UT |
| CUSA | SALT LAKE CITY, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
A look at other Pennsylvania credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near HIGHWAY
Similar total assets
Using this data
- HIGHWAY ranks #2,535 of 4,374 nationally on financial health and #133 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- RELIANCE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with RELIANCE
Frequently Asked Questions
Is HIGHWAY financially healthy?
HIGHWAY has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,535 of 4,374 nationally on health and #133 of 275 in Pennsylvania. Its net worth ratio is 17.98% and its delinquency rate 1.56%.
How does HIGHWAY compare to other credit unions?
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 (17.98% vs 14.86%). Its widest shortfall is loan-to-share ratio (43.61% vs 59.80%).
How can I join HIGHWAY?
HIGHWAY operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact HIGHWAY directly for the exact boundaries and application steps.
Is my money safe at HIGHWAY?
HIGHWAY is a federal 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. HIGHWAY's net worth ratio of 17.98% 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.