HIGHWAY DISTRICT 21
Charter #4148 · MCALLEN, TX · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 22.93% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.66% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 54.78% ranks in the 13th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 3rd percentile but its structural peers at the 77th — a 74-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 DISTRICT 21 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $50.99M | 3th pct | 77th pct |
| Members | 3,352 | 16th pct | 72th pct |
| Net worth ratio | 22.93% | 97th pct | 84th pct |
| Return on average assets | 1.66% | 89th pct | 80th pct |
| Net interest margin | 3.39% | 32th pct | 33th pct |
| Cost of funds | 0.76% | 37th pct | 48th pct |
| Loan-to-share | 55.20% | 41th pct | 48th pct |
| Delinquency 60+ days | 0.81% | 63th pct | 62th pct |
| Net charge-off ratio | 0.00% | 18th pct | 44th pct |
| Loan growth YoY | -7.01% | 9th pct | 28th pct |
| Share growth YoY | -2.87% | 5th pct | 11th pct |
| Efficiency ratio | 54.78% | 7th pct | 13th pct |
structural peer set hash: e8a18fff04eecf96869815485dc9a6cb… (reproducible)
Closest structural peers
This is the free public view
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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.