HIGHWAY EMPLOYEES
Charter #67474 · Tyler, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 431 sits at the 20th percentile of structural peers — worth a closer look.
- Return on average assets of -0.19% sits at the 21st 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 20th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.01% sits at the 84th percentile of structural peers — worth a closer look.
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 EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.79M | 27th pct | 13th pct |
| Members | 431 | 38th pct | 20th pct |
| Net worth ratio | 28.76% | 83th pct | 70th pct |
| Return on average assets | -0.19% | 28th pct | 21th pct |
| Net interest margin | 4.51% | 65th pct | 56th pct |
| Cost of funds | 0.40% | 44th pct | 34th pct |
| Loan-to-share | 61.04% | 53th pct | 57th pct |
| Delinquency 60+ days | 0.00% | 0th pct | 0th pct |
| Net charge-off ratio | 0.00% | 22th pct | 20th pct |
| Loan growth YoY | -22.75% | 5th pct | 2th pct |
| Share growth YoY | -6.85% | 12th pct | 8th pct |
| Efficiency ratio | 104.01% | 76th pct | 84th pct |
structural peer set hash: 1befbb26fda1bab999752dfcc772c3e9… (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.