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
- ROA 85/100
- ASSETS 15.8%
- MEM 0.07%
- RANK 0.27%
- PHOTO $10.8M
- BOOK 858
- CHARTER #1,921/4,374
- NCUSIF Lynn Police
- CAMELS 64242
Call Report peers
Paris Hi-Way in the assets neighbourhood
Paris Hi-Way's $10.8M assets sit next to Lynn Police ($10.8M) 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.
Paris Hi-Way 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
85 Top 46% higher than 54% 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
Paris Hi-Way - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #64242: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Paris Hi-Way Call Report trajectory
Paris Hi-Way: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.4% from $10.8M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted +0.31 pp (15.46% → 15.77%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 85.
- 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 |
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).
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
Cross-state asset and health neighbours for Paris Hi-Way - kept outside Illinois; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($10.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (85/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Paris Hi-Way financially healthy?
Yes/no aside, the number is 85/100 (Excellent) - Paris Hi-Way'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 #1,921 of 4,374; by total assets it ranks #3,521 of 4,374 nationally (same basis as /rankings/largest); and #121 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 15.77% net worth ratio and 0.07% delinquency rate are the key drivers.
How does Paris Hi-Way compare to other credit unions?
PlainCU's health composite puts Paris Hi-Way at 85/100, compared to a peer group average for $10M–$50M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 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?
Federal credit unions like Paris Hi-Way 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. Paris Hi-Way's net worth ratio of 15.77% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Paris Hi-Way offer compared to banks?
Credit unions like Paris Hi-Way 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 Paris Hi-Way 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.