State credit union · ATLANTA, Texas · NCUA charter #60491
Highway District 19 Employees
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $7.3M
- Total assets
- 1,450
- Members
- 20.8%
- Net-worth ratio
Highway District 19 Employees scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.3M; members 1,450; net-worth ratio 20.77%; health rank #2,523 of 4,374; healthier than 39th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,523 of 4,374 health · 2025Q4Highway District 19 · health 81/100 · $7.3M · 2025Q4
- NCUSIF 81/100
- CAMELS 20.8%
- HEALTH 0.67%
- NW 0.18%
- DELQ $7.3M
- ROA 1,450
- ASSETS #2,523/4,374
- MEM n/a
- RANK 60491
Call Report peers
Highway District 19 Employees carries $7.3M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Highway District 19 Employees 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
81 39th percentile higher than 39% 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 District 19 Employees - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60491. See our deposit-insurance coverage note.
Where Highway District 19 Employees diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 96.08% vs peer 63.60% (+32.48 pp).
- Widest shortfall vs peers is Return on Assets: -0.28 pp (0.18% vs 0.45%).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Highway District 19 Employees in Texas
- Health composite ranks #228 of 386 among scored Texas credit unions.
- By total assets, Highway District 19 Employees is #326 of 386 in Texas.
- Membership ranks #283 of 386 among Texas CUs with a reported count (1,450 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Highway District 19 Employees
Highway District 19 Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.6% from $7.3M (2025Q4) to $7.1M (2026Q1).
- Net-worth ratio shifted +0.66 pp (20.11% → 20.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
20.77% 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
Each segment is a pillar's weighted contribution to the composite; widths sum to 81.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.3 pts
- Return on Assets 10.1 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 12.6 pts
Highway District 19 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 20.77% | +1.71 pp |
| Delinquency Rate | 0.67% | -1.13 pp |
| Return on Assets | 0.18% | -0.28 pp |
| Member Growth | -2.23% | - |
| Loan-to-Share Ratio | 96.08% | +32.48 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.1M | - |
| 2025Q4 | $7.3M | 1,450 |
| 2024Q4 | $8.0M | 1,483 |
| 2023Q4 | $8.4M | 1,524 |
Credit Union Details
- Charter Number
- 60491
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- ATLANTA
- Data Quarter
- 2025Q4
Branch Location
Highway District 19 Employees operates a single office in Atlanta, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Highway District 19 Employees Credit Union (Main Office) | Atlanta, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
Other federally-insured credit unions in Texas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Highway District 19 Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (81/100 here).
Using this data
- Highway District 19 Employees ranks #2,523 of 4,374 nationally on financial health and #228 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHERWIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHERWIN
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas 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 District 19 Employees financially healthy?
Yes/no aside, the number is 81/100 (Excellent) - Highway District 19 Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,523 of 4,374; by total assets it ranks #3,709 of 4,374 nationally (same basis as /rankings/largest); and #326 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 20.77% net worth ratio and 0.67% delinquency rate are the key drivers.
How does Highway District 19 Employees compare to other credit unions?
On PlainCU's health composite, Highway District 19 Employees lands at 81/100, compared to a peer group average for $2M–$10M 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 District 19 Employees?
Membership eligibility for Highway District 19 Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Highway District 19 Employees directly for current membership requirements and application steps.
Is my money safe at Highway District 19 Employees?
Federal credit unions like Highway District 19 Employees 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 District 19 Employees's net worth ratio of 20.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway District 19 Employees offer compared to banks?
Credit unions like Highway District 19 Employees 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 District 19 Employees 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.