HIGHWAY CROSSROADS
Charter #60167 · Sikeston, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 2.27% sits at the 90th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.49% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.03% ranks in the 7th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 64th — a 20-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 CROSSROADS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $25.02M | 49th pct | 57th pct |
| Members | 2,403 | 61th pct | 52th pct |
| Net worth ratio | 15.31% | 62th pct | 52th pct |
| Return on average assets | 0.73% | 54th pct | 38th pct |
| Net interest margin | 3.95% | 56th pct | 36th pct |
| Cost of funds | 2.27% | 94th pct | 90th pct |
| Loan-to-share | 80.33% | 84th pct | 64th pct |
| Delinquency 60+ days | 4.49% | 97th pct | 97th pct |
| Net charge-off ratio | -0.03% | 17th pct | 7th pct |
| Loan growth YoY | -8.14% | 13th pct | 7th pct |
| Share growth YoY | 2.53% | 50th pct | 59th pct |
| Efficiency ratio | 80.17% | 49th pct | 66th pct |
structural peer set hash: 9a3176508b253f08f413a474477099e7… (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.