State credit union · Houston, Texas · NCUA charter #67627
Houston Highway
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $47.3M
- Total assets
- 3,290
- Members
- 11.1%
- Net-worth ratio
Houston Highway scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $47.3M; members 3,290; net-worth ratio 11.14%; health rank #1,291 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,291 of 4,374 health · 2025Q4Houston Highway · health 89/100 · $47.3M · 2025Q4
- MEM 89/100
- RANK 11.1%
- PHOTO 0.27%
- BOOK 1.91%
- CHARTER $47.3M
- NCUSIF 3,290
- CAMELS #1,291/4,374
- HEALTH Jackson County 1st
- NW 67627
Call Report peers
Houston Highway in the assets neighbourhood
Houston Highway's $47.3M assets sit next to Jackson County 1st ($47.3M) 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.
Houston Highway 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
89 Top 31% higher than 69% 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
Houston Highway - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #67627: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Where Houston Highway diverges from peer averages
- Return on Assets leads the peer set - 1.91% here, 0.70% peer average (+1.21 pp).
- Widest shortfall vs peers is Net Worth Ratio: -3.72 pp (11.14% vs 14.86%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Houston Highway: in-state Call Report ranks
- Health composite ranks #120 of 386 among scored Texas credit unions.
- By total assets, Houston Highway is #195 of 386 in Texas.
- Membership ranks #209 of 386 among Texas CUs with a reported count (3,290 members).
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 Houston Highway's 5300 filing moved
Houston Highway: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +0.0% from $47.3M (2025Q4) to $47.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (10.96% → 11.14%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
11.14% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.14% | -3.72 pp |
| Delinquency Rate | 0.27% | -0.88 pp |
| Return on Assets | 1.91% | +1.21 pp |
| Member Growth | -0.78% | - |
| Loan-to-Share Ratio | 56.24% | -3.56 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Houston Highway filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $47.4M | - |
| 2025Q4 | $47.3M | 3,290 |
| 2024Q4 | $47.2M | 3,316 |
| 2023Q4 | $47.8M | 3,415 |
Credit Union Details
- Charter Number
- 67627
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Houston Highway operates a single office in Houston, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Houston Highway Credit Union (Main Office) | Houston, 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.
Cross-state Call Report peers for Houston Highway
Houston Highway's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($47.3M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Houston Highway ranks #1,291 of 4,374 nationally on financial health and #120 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- LUFKIN is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with LUFKIN
- 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 Houston Highway financially healthy?
A 11.14% net worth ratio and a 0.27% delinquency rate feed into Houston Highway's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,291 of 4,374; by total assets it ranks #2,444 of 4,374 nationally (same basis as /rankings/largest); and #195 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Houston Highway compare to other credit unions?
Houston Highway scores 89/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M 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 Houston Highway?
Membership eligibility for Houston Highway depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Houston Highway directly for current membership requirements and application steps.
Is my money safe at Houston Highway?
Federal credit unions like Houston Highway 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. Houston Highway's net worth ratio of 11.14% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Houston Highway offer compared to banks?
Credit unions like Houston Highway 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 Houston Highway 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.