State credit union · Paris, Illinois · NCUA charter #64242
Paris Hi-Way
Health score 85/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 85
- Health / 100
- $10.8M
- Total assets
- 858
- Members
- 15.8%
- Net-worth ratio
Paris Hi-Way scores 85/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $10.8M; members 858; net-worth ratio 15.77%; health rank #1,921 of 4,374; healthier than 54th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#1,921 of 4,374 health · 2025Q4Paris Hi-Way · health 85/100 · $10.8M · 2025Q4
Call Report peers
Paris Hi-Way in the assets neighbourhood
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Paris Hi-Way vs every NCUA-scored credit union
Paris Hi-Way sits in the busiest band, 85-89, alongside 857 other credit unions.
85 Top 46% higher than 54% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Paris Hi-Way diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 65.91% here, 59.80% peer average (+6.11 pp).
- Largest lag: Return on Assets at 0.27% vs peer 0.70% (-0.44 pp).
Illinois standing for Paris Hi-Way
- Health composite ranks #83 of 192 among scored Illinois credit unions.
- By total assets, Paris Hi-Way is #121 of 192 in Illinois.
- Membership ranks #136 of 192 among Illinois CUs with a reported count (858 members).
- One place up in Illinois, Kone Employees (#82) ties at 85/100; one place down, Rockford Municipal Employees (#84) ties at 85/100.
Paris Hi-Way Call Report trajectory
Paris Hi-Way: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.4% from $10.8M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted +0.31 pp (15.46% → 15.77%).
This credit union's 15.77% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 85/100 score is built
Paris Hi-Way gives up 15 points in total. Member Growth costs the most, 10.3 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 11.5 pts
- Member Growth 4.7 pts
- Loan-to-Share Ratio 13.8 pts
Paris Hi-Way health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.77% | +0.91 pp |
| Delinquency Rate | 0.07% | -1.08 pp |
| Return on Assets | 0.27% | -0.44 pp |
| Member Growth | -2.39% | - |
| Loan-to-Share Ratio | 65.91% | +6.11 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Paris Hi-Way
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.0M | - |
| 2025Q4 | $10.8M | 858 |
| 2024Q4 | $10.5M | 879 |
| 2023Q4 | $10.4M | 911 |
Credit Union Details
- Charter Number
- 64242
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Illinois
- City
- Paris
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Paris Hi-Way.
| Office | City |
|---|---|
| Paris Hi-Way Credit Union (Main Office) | Paris, IL |
| Paris Hi-Way Credit Union | Paris, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Paris Hi-Way nationwide neighbourhoods
Similar total assets
Similar health score
Using this data
- Paris Hi-Way ranks #1,921 of 4,374 nationally on financial health and #83 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Joliet Municipal Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Joliet Municipal Employees
Frequently Asked Questions
Is Paris Hi-Way financially healthy?
Paris Hi-Way has a financial health score of 85/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,921 of 4,374 nationally on health and #83 of 192 in Illinois. Its net worth ratio is 15.77% and its delinquency rate 0.07%.
How does Paris Hi-Way compare to other credit unions?
Paris Hi-Way scores 85/100, higher than 54% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (65.91% vs 59.80%). Its widest shortfall is return on assets (0.27% vs 0.70%).
How can I join Paris Hi-Way?
Membership eligibility for Paris Hi-Way depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Paris Hi-Way directly for current membership requirements and application steps.
Is my money safe at Paris Hi-Way?
Paris Hi-Way 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. Paris Hi-Way's net worth ratio of 15.77% 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.