HIGHWAY DISTRICT 19 EMPLOYEES
Charter #60491 · ATLANTA, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -0.32% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.10% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 106.72% sits at the 92nd percentile of structural peers — worth a closer look.
- On Net interest margin, the asset-size band puts this credit union at the 58th percentile but its structural peers at the 34th — 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 DISTRICT 19 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.08M | 81th pct | 61th pct |
| Members | 1,451 | 93th pct | 72th pct |
| Net worth ratio | 20.77% | 62th pct | 61th pct |
| Return on average assets | -0.32% | 26th pct | 18th pct |
| Net interest margin | 4.30% | 58th pct | 34th pct |
| Cost of funds | 0.10% | 22th pct | 8th pct |
| Loan-to-share | 92.89% | 89th pct | 75th pct |
| Delinquency 60+ days | 0.70% | 47th pct | 44th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -12.70% | 20th pct | 5th pct |
| Share growth YoY | -4.48% | 19th pct | 13th pct |
| Efficiency ratio | 106.72% | 79th pct | 92th pct |
structural peer set hash: dace99102a35fc4c02d11c95f022f7cd… (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.