HIGHWAY
Charter #20691 · Hughestown, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.02% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.92% sits at the 90th percentile of structural peers — worth a closer look.
- Efficiency ratio of 68.59% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 25th percentile but its structural peers at the 48th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | HIGHWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $34.96M | 72th pct | 52th pct |
| Members | 2,511 | 63th pct | 57th pct |
| Net worth ratio | 17.98% | 76th pct | 74th pct |
| Return on average assets | 1.27% | 79th pct | 64th pct |
| Net interest margin | 3.74% | 45th pct | 43th pct |
| Cost of funds | 1.02% | 59th pct | 80th pct |
| Loan-to-share | 42.75% | 25th pct | 48th pct |
| Delinquency 60+ days | 1.92% | 84th pct | 90th pct |
| Net charge-off ratio | 0.18% | 55th pct | 39th pct |
| Loan growth YoY | -3.26% | 43th pct | 59th pct |
| Share growth YoY | 6.43% | 83th pct | 89th pct |
| Efficiency ratio | 68.59% | 24th pct | 23th pct |
structural peer set hash: 942055bee5f49b2a1a3fdf4c643b26f2… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.