DISTRICT ONE HIGHWAY
Charter #63420 · SAINT JOSEPH, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.39% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.06% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 55.38% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- On Return on average assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 57th — a 18-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 | DISTRICT ONE HIGHWAY | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $30.37M | 62th pct | 61th pct |
| Members | 2,059 | 48th pct | 36th pct |
| Net worth ratio | 18.53% | 80th pct | 69th pct |
| Return on average assets | 1.18% | 75th pct | 57th pct |
| Net interest margin | 2.39% | 5th pct | 5th pct |
| Cost of funds | 1.06% | 61th pct | 74th pct |
| Loan-to-share | 27.24% | 7th pct | 15th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | -0.06% | 13th pct | 18th pct |
| Loan growth YoY | -7.48% | 16th pct | 28th pct |
| Share growth YoY | -0.71% | 21th pct | 18th pct |
| Efficiency ratio | 55.38% | 6th pct | 8th pct |
structural peer set hash: 990ee089e1925ac188fd43320ce990aa… (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.