State credit union · Sikeston, Missouri · NCUA charter #60167
Highway Crossroads
Health score 68/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 68
- Health / 100
- $24.4M
- Total assets
- 2,404
- Members
- 15.3%
- Net-worth ratio
Highway Crossroads scores 68/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $24.4M; members 2,404; net-worth ratio 15.31%; health rank #3,704 of 4,374; healthier than 15th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,704 of 4,374 health · 2025Q4Highway Crossroads · health 68/100 · $24.4M · 2025Q4
Call Report peers
Highway Crossroads in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Highway Crossroads vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Highway Crossroads sits in 65-69 with 275 others.
68 15th percentile higher than 15% 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 Crossroads diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 85.54% vs peer 59.80% (+25.74 pp).
- Widest shortfall vs peers is Delinquency Rate: +2.99 pp (4.14% vs 1.15%).
Where Highway Crossroads sits in Missouri
- Missouri health ordinal: #73 of 89.
- Missouri assets place: #55 of 89.
- Missouri membership ordinal: #52 of 89.
- One place up in Missouri, Raytown-Lee's Summit Community (#72) scores 69/100, 1 point higher; one place down, South Central Missouri (#74) scores 67/100, 1 point lower.
Highway Crossroads Call Report trajectory
Highway Crossroads: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.4% from $24.4M (2025Q4) to $25.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (15.50% → 15.31%).
This credit union's 15.31% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 68/100 score is built
Highway Crossroads gives up 32 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.7 pts
- Loan-to-Share Ratio 15.3 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.31% | +0.45 pp |
| Delinquency Rate | 4.14% | +2.99 pp |
| Return on Assets | 0.70% | -0.00 pp |
| Member Growth | -0.70% | - |
| Loan-to-Share Ratio | 85.54% | +25.74 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Highway Crossroads filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $25.0M | - |
| 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
Branch Location
Highway Crossroads operates a single office in Sikeston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| HIGHWAY CROSSROADS CREDIT UNION (Main Office) | Sikeston, 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.
Highway Crossroads nationwide neighbourhoods
Similar total assets
Using this data
- Highway Crossroads ranks #3,704 of 4,374 nationally on financial health and #73 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LEGACY is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LEGACY
Frequently Asked Questions
Is Highway Crossroads financially healthy?
Highway Crossroads has a financial health score of 68/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,704 of 4,374 nationally on health and #73 of 89 in Missouri. Its net worth ratio is 15.31% and its delinquency rate 4.14%.
How does Highway Crossroads compare to other credit unions?
Highway Crossroads scores 68/100, higher than 15% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (85.54% vs 59.80%). Its widest shortfall is delinquency rate (4.14% vs 1.15%).
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?
Highway Crossroads 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. Highway Crossroads's net worth ratio of 15.31% 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.