State credit union · Sikeston, Missouri · NCUA charter #60167
Highway Crossroads
Health score 68/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $24.4M
- Total assets
- 2,404
- Members
- 15.5%
- Net-worth ratio
Highway Crossroads - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #60167, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Highway Crossroads - 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)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth52
- Liquidity (loan-to-share)100
Weighted composite: 68/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 15.50% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 15.50% | 30% |
| Delinquency Rate | 4.14% | 25% |
| Return on Assets | 0.70% | 15% |
| Member Growth | -0.70% | 15% |
| Loan-to-Share Ratio | 85.54% | 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 | $24.4M | 2,404 |
| 2024Q4 | $23.1M | 2,421 |
| 2023Q4 | $24.3M | 2,304 |
Credit Union Details
- Charter Number
- 60167
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Sikeston
- Data Quarter
- 2025Q4
What This Data Says About Highway Crossroads
2,404 members and $24.4M in total assets sit behind Highway Crossroads, a state credit union in Sikeston, Missouri, which posts a health score of 68/100 (Good) on the five-factor composite, with $17.4M in outstanding loans as of Q4 2025 and a net worth ratio of 15.50% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60167 in peer group $10M–$50M, a cohort of 1163 similarly-sized institutions.
4.14% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 85.54% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.70% on net income of $172K 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 -0.70%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
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 Highway Crossroads financially healthy?
Highway Crossroads has a financial health score of 68/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.50% and delinquency rate of 4.14%.
How does Highway Crossroads compare to other credit unions?
On PlainCU's health composite, Highway Crossroads lands at 68/100, 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 Highway Crossroads?
Membership eligibility for Highway Crossroads depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Highway Crossroads directly for current membership requirements and application steps.
Is my money safe at Highway Crossroads?
Federal credit unions like Highway Crossroads 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 Crossroads's net worth ratio of 15.50% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway Crossroads offer compared to banks?
Credit unions like Highway Crossroads 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 Crossroads 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.