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
Call Report peers
Houston Highway in the assets neighbourhood
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
Houston Highway sits in the busiest band, 85-89, alongside 857 other credit unions.
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
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%).
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).
- One place up in Texas, Concho Educators (#119) ties at 89/100; one place down, Hale County Teachers (#121) ties at 89/100.
How Houston Highway's 5300 filing moved
Houston Highway: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.0% from $47.3M (2025Q4) to $47.4M (2026Q1).
- Net-worth ratio shifted +0.18 pp (10.96% → 11.14%).
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
Houston Highway gives up 11 points in total. Member Growth costs the most, 7.4 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 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is Houston Highway financially healthy?
Houston Highway has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,291 of 4,374 nationally on health and #120 of 386 in Texas. Its net worth ratio is 11.14% and its delinquency rate 0.27%.
How does Houston Highway compare to other credit unions?
Houston Highway scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is return on assets (1.91% vs 0.70%). Its widest shortfall is net worth ratio (11.14% vs 14.86%).
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?
Houston Highway 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. Houston Highway's net worth ratio of 11.14% 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.