Federal credit union · MCALLEN, Texas · NCUA charter #4148
Highway District 21
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $51.5M
- Total assets
- 3,379
- Members
- 22.9%
- Net-worth ratio
Highway District 21 scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.5M; members 3,379; net-worth ratio 22.93%; health rank #1,877 of 4,374; healthier than 54th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,877 of 4,374 health · 2025Q4Highway District 21 · health 85/100 · $51.5M · 2025Q4
Call Report peers
Highway District 21 in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Highway District 21 vs every NCUA-scored credit union
Highway District 21 sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Highway District 21: Call Report deltas vs peers
- Largest favorable gap: Net Worth Ratio at 22.93% vs peer 13.62% (+9.31 pp).
- Largest lag: Loan-to-Share Ratio at 56.62% vs peer 62.60% (-5.98 pp).
Where Highway District 21 sits in Texas
- Health composite ranks #173 of 386 among scored Texas credit unions.
- Texas assets place: #190 of 386.
- Texas membership ordinal: #203 of 386.
- One place up in Texas, Faith Cooperative (#172) ties at 85/100; one place down, ASPIRE (#174) ties at 85/100.
How Highway District 21's 5300 filing moved
Highway District 21: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.0% from $51.5M (2025Q4) to $51.0M (2026Q1).
- Net-worth ratio shifted +0.64 pp (22.29% → 22.93%).
This credit union's 22.93% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Highway District 21 gives up 15 points in total. Member Growth costs the most, 12.2 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 2.8 pts
- Loan-to-Share Ratio 12.2 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.93% | +9.31 pp |
| Delinquency Rate | 0.25% | -0.71 pp |
| Return on Assets | 1.67% | +1.02 pp |
| Member Growth | -3.46% | - |
| Loan-to-Share Ratio | 56.62% | -5.98 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Call Report history - Highway District 21
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $51.0M | - |
| 2025Q4 | $51.5M | 3,379 |
| 2024Q4 | $51.3M | 3,500 |
| 2023Q4 | $50.4M | 3,577 |
Credit Union Details
- Charter Number
- 4148
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- $50M–$100M
- State
- Texas
- City
- MCALLEN
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Highway District 21 runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Highway District 21 Federal Credit Union (Main Office) | Pharr, TX |
| La Joya Area FCU | La Joya, 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.
Other-state peers near Highway District 21
Using this data
- Highway District 21 ranks #1,877 of 4,374 nationally on financial health and #173 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Caprock Santa Fe is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Caprock Santa Fe
Frequently Asked Questions
Is Highway District 21 financially healthy?
Highway District 21 has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,877 of 4,374 nationally on health and #173 of 386 in Texas. Its net worth ratio is 22.93% and its delinquency rate 0.25%.
How does Highway District 21 compare to other credit unions?
Highway District 21 scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (22.93% vs 13.62%). Its widest shortfall is loan-to-share ratio (56.62% vs 62.60%).
How can I join Highway District 21?
Highway District 21 carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Highway District 21 directly to confirm current membership steps.
Is my money safe at Highway District 21?
Highway District 21 is a federal 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 District 21's net worth ratio of 22.93% 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.