State credit union · Tyler, Texas · NCUA charter #67474
Highway Employees
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $1.9M
- Total assets
- 438
- Members
- 28.8%
- Net-worth ratio
Highway Employees scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.9M; members 438; net-worth ratio 28.76%; health rank #558 of 4,374; healthier than 84th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#558 of 4,374 health · 2025Q4Highway Employees · health 93/100 · $1.9M · 2025Q4
- ROA 93/100
- ASSETS 28.8%
- MEM 0.39%
- RANK 0.95%
- PHOTO $1.9M
- BOOK 438
- CHARTER #558/4,374
- NCUSIF n/a
- CAMELS 67474
Call Report peers
Highway Employees carries $1.9M 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 Employees 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
93 Top 16% higher than 84% 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 Employees - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67474: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Highway Employees vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 67.35% vs peer 52.70% (+14.65 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Highway Employees: in-state Call Report ranks
- Texas health ordinal: #52 of 386.
- By total assets, Highway Employees is #373 of 386 in Texas.
- Texas membership ordinal: #370 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.
Quarter path for Highway Employees
Highway Employees: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.9% from $1.9M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted +1.36 pp (27.40% → 28.76%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
28.76% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 28.76% | +5.83 pp |
| Delinquency Rate | 0.39% | -4.09 pp |
| Return on Assets | 0.95% | +0.73 pp |
| Member Growth | -0.45% | - |
| Loan-to-Share Ratio | 67.35% | +14.65 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Call Report history - Highway Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.8M | - |
| 2025Q4 | $1.9M | 438 |
| 2024Q4 | $1.9M | 440 |
| 2023Q4 | $1.7M | 436 |
Credit Union Details
- Charter Number
- 67474
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Texas
- City
- Tyler
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Highway Employees.
| Office | City |
|---|---|
| Main Office (Main Office) | Tyler, 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.
Highway Employees nationwide neighbourhoods
Cross-state asset and health neighbours for Highway Employees - kept outside Texas; in-state CUs stay in the Nearby block.
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- Highway Employees ranks #558 of 4,374 nationally on financial health and #52 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- W T N M Atlantic is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with W T N M Atlantic
- 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 Employees financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - Highway Employees's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #558 of 4,374; by total assets it ranks #4,145 of 4,374 nationally (same basis as /rankings/largest); and #373 of 386 within Texas. Above 80 reads excellent, below 50 warrants closer monitoring; a 28.76% net worth ratio and 0.39% delinquency rate are the key drivers.
How does Highway Employees compare to other credit unions?
Highway Employees scores 93/100 on PlainCU's health composite, compared to a peer group average for Under $2M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Employees?
Membership eligibility for Highway 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 Employees directly for current membership requirements and application steps.
Is my money safe at Highway Employees?
Federal credit unions like Highway 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 Employees's net worth ratio of 28.76% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Highway Employees offer compared to banks?
Credit unions like Highway 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 Employees 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.