BlastPoint's Credit Union Scorecard
HIGHWAY DISTRICT 21
Charter #4148 · TX
HIGHWAY DISTRICT 21 has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Efficiency Ratio: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.3% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -1.6% year over year ($39.4M in shares and deposits).
- Membership: 3,322 members, -3.3% vs a year ago.
- Delinquency rate 0.23%.
- Return on assets 1.67%.
- Efficiency ratio 54.17% vs a 88.77% peer average.
- Loan-to-share ratio 53.09% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,322
-3.3% YoY-0.9% QoQ
|
+736 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$51.6M
+0.3% YoY+1.2% QoQ
|
+$21.3M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$20.9M
-9.8% YoY-2.6% QoQ
|
+$5.5M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$39.4M
-1.6% YoY+1.2% QoQ
|
+$13.6M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
75% |
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| ROA |
1.7%
-20.0% YoY+0.0% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.4%
-4.3% YoY-1.3% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
54.2%
+21.7% YoY-1.1% QoQ
|
-34.6% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Top 6.8% in tier |
| Delinquency Rate |
0.2%
-36.5% YoY-72.3% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
53.1%
-8.3% YoY-3.8% QoQ
|
-5.8% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
42% |
| AMR |
$18,158
-1.4% YoY+0.8% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
26.2%
+4.8% YoY+3.6% QoQ
|
+1.7% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)