State credit union · Fort Worth, Texas · NCUA charter #67468
Highway District 2
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $4.3M
- Total assets
- 663
- Members
- 25.7%
- Net-worth ratio
Highway District 2 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67468, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Highway District 2 - 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)100
- Earnings (ROA)100
- Member growth28
- Liquidity (loan-to-share)100
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
25.68% 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 | 25.68% | 30% |
| Delinquency Rate | 0.00% | 25% |
| Return on Assets | 1.16% | 15% |
| Member Growth | -2.64% | 15% |
| Loan-to-Share Ratio | 82.25% | 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 | $4.3M | 663 |
| 2024Q4 | $4.8M | 681 |
| 2023Q4 | $4.9M | 701 |
Credit Union Details
- Charter Number
- 67468
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- Fort Worth
- Data Quarter
- 2025Q4
What This Data Says About Highway District 2
Highway District 2 is a state credit union headquartered in Fort Worth, Texas, serving 663 members with $4.3M in total assets and $2.4M in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 89/100 (Excellent), anchored by a net worth ratio of 25.68% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67468 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
0.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. Deposit deployment is captured by the 82.25% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.16% on net income of $50K 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 -2.64%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, 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 District 2 financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Highway District 2 carries a financial health score of 89/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 25.68% net worth ratio and a 0.00% delinquency rate.
How does Highway District 2 compare to other credit unions?
On PlainCU's health composite, Highway District 2 lands at 89/100, 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 2?
Membership eligibility for Highway District 2 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 2 directly for current membership requirements and application steps.
Is my money safe at Highway District 2?
Federal credit unions like Highway District 2 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 2's net worth ratio of 25.68% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway District 2 offer compared to banks?
Credit unions like Highway District 2 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 2 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.