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
- NCUSIF 68/100
- CAMELS 15.3%
- HEALTH 4.14%
- NW 0.70%
- DELQ $24.4M
- ROA 2,404
- ASSETS #3,704/4,374
- MEM Racine Municipal Employees
- RANK 60167
Call Report peers
Highway Crossroads in the assets neighbourhood
Highway Crossroads's $24.4M assets sit next to Racine Municipal Employees ($24.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
68 15th percentile higher than 15% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Highway Crossroads sits in Missouri
- Missouri health ordinal: #73 of 89.
- Missouri assets place: #55 of 89.
- Missouri membership ordinal: #52 of 89.
In-state ordinals use the live credit_unions table for MO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Highway Crossroads Call Report trajectory
Highway Crossroads: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.4% from $24.4M (2025Q4) to $25.0M (2026Q1).
- Net-worth ratio shifted -0.19 pp (15.50% → 15.31%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 68.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Highway Crossroads's nationwide photo peers by assets and by health score, excluding Missouri charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($24.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (68/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Missouri credit unions compare overall before assuming this one is typical. Missouri state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,704 of 4,374; by total assets it ranks #3,014 of 4,374 nationally (same basis as /rankings/largest); and #55 of 89 within Missouri. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 15.31% 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 15.31% 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.
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.