State credit union · ATLANTA, Texas · NCUA charter #60491
Highway District 19 Employees
Health score 81/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $7.3M
- Total assets
- 1,450
- Members
- 11.6%
- Net-worth ratio
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.
Highway District 19 Employees - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)68
- Member growth33
- Liquidity (loan-to-share)82
Weighted composite: 81/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
11.56% 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 | 11.56% | 30% |
| Delinquency Rate | 0.67% | 25% |
| Return on Assets | 0.18% | 15% |
| Member Growth | -2.23% | 15% |
| Loan-to-Share Ratio | 96.08% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Highway District 19 Employees
1,450 members and $7.3M in total assets sit behind Highway District 19 Employees, a state credit union in ATLANTA, Texas, which posts a health score of 81/100 (Excellent) on the five-factor composite, with $5.6M in outstanding loans as of Q4 2025 and a net worth ratio of 11.56% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #60491 in peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Deposits deployed into lending sit at a 96.08% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Loan quality, meanwhile, shows 0.67% of the book 60+ days past due - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Return on assets stands at 0.18% on net income of $13K 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 -2.23%. 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 Texas
Other federally-insured credit unions in Texas, 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 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. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.56% 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 11.56% 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.
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.