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
- NCUSIF 85/100
- CAMELS 22.9%
- HEALTH 0.25%
- NW 1.67%
- DELQ $51.5M
- ROA 3,379
- ASSETS #1,877/4,374
- MEM VOCAL
- RANK 4148
Call Report peers
Highway District 21 in the assets neighbourhood
Highway District 21's $51.5M assets sit next to VOCAL ($51.5M) 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 District 21 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
85 Top 46% higher than 54% 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 21 - Share Insurance Coverage
Charter #4148's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Highway District 21's 5300 filing moved
Highway District 21: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.0% from $51.5M (2025Q4) to $51.0M (2026Q1).
- Net-worth ratio shifted +0.64 pp (22.29% → 22.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Two NCUA Call Report peer sets for Highway District 21, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($51.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- 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 21 financially healthy?
A 22.93% net worth ratio and a 0.25% delinquency rate feed into Highway District 21's financial health score of 85/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,877 of 4,374; by total assets it ranks #2,380 of 4,374 nationally (same basis as /rankings/largest); and #190 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Highway District 21 compare to other credit unions?
On PlainCU's health composite, Highway District 21 lands at 85/100, compared to a peer group average for $50M–$100M 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 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?
Federal credit unions like Highway District 21 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 21's net worth ratio of 22.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway District 21 offer compared to banks?
Credit unions like Highway District 21 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 21 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.