State credit union · WACO, Texas · NCUA charter #67469
Highway District 9
Health score 91/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 91
- Health / 100
- $4.1M
- Total assets
- 714
- Members
- 26.2%
- Net-worth ratio
Highway District 9 scores 91/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $4.1M; members 714; net-worth ratio 26.15%; health rank #868 of 4,374; healthier than 77th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#868 of 4,374 health · 2025Q4Highway District 9 · health 91/100 · $4.1M · 2025Q4
- CAMELS 91/100
- HEALTH 26.2%
- NW 0.18%
- DELQ 0.86%
- ROA $4.1M
- ASSETS 714
- MEM #868/4,374
- RANK n/a
- PHOTO 67469
Call Report peers
Highway District 9 carries $4.1M 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 9 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
91 Top 23% higher than 77% 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 9 - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #67469, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for Highway District 9
- Largest favorable gap: Net Worth Ratio at 26.15% vs peer 19.06% (+7.09 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Texas standing for Highway District 9
- Health composite ranks #80 of 386 among scored Texas credit unions.
- Assets rank #353 of 386 inside Texas ($4.1M reported).
- Member book place in Texas: #343 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 9's 5300 filing moved
Highway District 9: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.8% from $4.1M (2025Q4) to $4.2M (2026Q1).
- Net-worth ratio shifted -0.53 pp (26.68% → 26.15%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 26.15%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 91/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 91.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.5 pts
- Loan-to-Share Ratio 13.5 pts
Highway District 9 health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.15% | +7.09 pp |
| Delinquency Rate | 0.18% | -1.62 pp |
| Return on Assets | 0.86% | +0.41 pp |
| Member Growth | -0.83% | - |
| Loan-to-Share Ratio | 64.61% | +1.01 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).
Highway District 9 quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $4.2M | - |
| 2025Q4 | $4.1M | 714 |
| 2024Q4 | $4.1M | 720 |
| 2023Q4 | $4.6M | 734 |
Credit Union Details
- Charter Number
- 67469
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Texas
- City
- WACO
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Highway District 9.
| Office | City |
|---|---|
| Highway District 9 Credit Union (Main Office) | Waco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Highway District 9 - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (91/100 here).
Using this data
- Highway District 9 ranks #868 of 4,374 nationally on financial health and #80 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Oak Farms Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Oak Farms Employees
- 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 9 financially healthy?
Highway District 9 scores 91/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #868 of 4,374; by total assets it ranks #3,961 of 4,374 nationally (same basis as /rankings/largest); and #353 of 386 within Texas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 26.15% net worth ratio and a 0.18% delinquency rate.
How does Highway District 9 compare to other credit unions?
Five weighted metrics from NCUA filings produce Highway District 9's 91/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 9?
Membership eligibility for Highway District 9 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 9 directly for current membership requirements and application steps.
Is my money safe at Highway District 9?
Federal credit unions like Highway District 9 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 9's net worth ratio of 26.15% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway District 9 offer compared to banks?
Credit unions like Highway District 9 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 9 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.