HIGHWAY DISTRICT 9
Charter #67469 · WACO, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 1.68% sits at the 80th 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 0.00% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 52nd percentile but its structural peers at the 28th — a 24-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 9 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $4.21M | 52th pct | 28th pct |
| Members | 712 | 62th pct | 46th pct |
| Net worth ratio | 26.15% | 78th pct | 69th pct |
| Return on average assets | 0.97% | 71th pct | 59th pct |
| Net interest margin | 4.51% | 65th pct | 69th pct |
| Cost of funds | 1.68% | 83th pct | 80th pct |
| Loan-to-share | 60.87% | 53th pct | 44th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 16th pct |
| Loan growth YoY | 6.43% | 90th pct | 97th pct |
| Share growth YoY | 2.69% | 69th pct | 72th pct |
| Efficiency ratio | 79.60% | 39th pct | 49th pct |
structural peer set hash: dcca4221418c3b021f28405525bd2150… (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.