State credit union · Jefferson city, Missouri · NCUA charter #67700
Highway Alliance
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $28.0M
- Total assets
- 1,656
- Members
- 7.7%
- Net-worth ratio
Highway Alliance - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67700, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Highway Alliance - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)81
- Asset quality (delinquency)100
- Earnings (ROA)90
- Member growth65
- Liquidity (loan-to-share)89
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.73% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.73% | 30% |
| Delinquency Rate | 0.25% | 25% |
| Return on Assets | 0.40% | 15% |
| Member Growth | 0.67% | 15% |
| Loan-to-Share Ratio | 62.70% | 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 | $28.0M | 1,656 |
| 2024Q4 | $27.1M | 1,645 |
| 2023Q4 | $26.5M | 1,657 |
Credit Union Details
- Charter Number
- 67700
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Jefferson city
- Data Quarter
- 2025Q4
What This Data Says About Highway Alliance
Highway Alliance is a state credit union headquartered in Jefferson city, Missouri, serving 1,656 members with $28.0M in total assets and $15.5M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 86/100 (Excellent), anchored by a net worth ratio of 7.73% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67700 operates under peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
Deposits deployed into lending sit at a 62.70% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Loan quality, meanwhile, shows 0.25% of the book 60+ days past due - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running tighter than peers. Return on assets stands at 0.40% on net income of $113K 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 0.67%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Missouri
Other federally-insured credit unions in Missouri, closest first by peer group 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 Highway Alliance financially healthy?
A 7.73% net worth ratio and a 0.25% delinquency rate feed into Highway Alliance's financial health score of 86/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Highway Alliance compare to other credit unions?
PlainCU's health composite puts Highway Alliance at 86/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Highway Alliance?
Membership eligibility for Highway Alliance depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Highway Alliance directly for current membership requirements and application steps.
Is my money safe at Highway Alliance?
Federal credit unions like Highway Alliance 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. Highway Alliance's net worth ratio of 7.73% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway Alliance offer compared to banks?
Credit unions like Highway Alliance 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 Highway Alliance 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.