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
Call Report peers
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Highway Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Highway Employees sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Highway Employees vs Under $2M peers
- Largest favorable gap: Loan-to-Share Ratio at 67.35% vs peer 52.70% (+14.65 pp).
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.
- One place up in Texas, Lone Star (#51) scores 94/100, 1 point higher; one place down, Marshall T & P Employees (#53) ties at 93/100.
Quarter path for Highway Employees
Highway Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.9% from $1.9M (2025Q4) to $1.8M (2026Q1).
- Net-worth ratio shifted +1.36 pp (27.40% → 28.76%).
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
Highway Employees gives up 7 points in total. Member Growth costs the most, 6.8 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 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Highway Employees financially healthy?
Highway Employees has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #558 of 4,374 nationally on health and #52 of 386 in Texas. Its net worth ratio is 28.76% and its delinquency rate 0.39%.
How does Highway Employees compare to other credit unions?
Highway Employees scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (67.35% vs 52.70%).
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?
Highway Employees is a state-chartered 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 Employees's net worth ratio of 28.76% 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.