DISTRICT ONE HIGHWAY
Charter #63420 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
DISTRICT ONE HIGHWAY has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.40% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.6% in tier
- + Loan Growth Rate: Top 8.0% in tier
- + Net Charge-Off Rate: Top 8.3% in tier
- + Efficiency Ratio: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 5.0% in tier
- - Loan-to-Share Ratio: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,123
-0.0% YoY+0.1% QoQ
|
-502 |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
54th in tier |
| Assets |
$30.4M
-4.2% YoY+0.2% QoQ
|
+$533K |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
60th in tier |
| Loans |
$7.3M
+12.2% YoY+22.1% QoQ
|
$-8.5M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
42nd in tier |
| Deposits |
$24.8M
-6.2% YoY-0.3% QoQ
|
$-642K |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
59th in tier |
| ROA |
1.1%
+49.0% YoY+13.1% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
66th in tier |
| NIM |
2.2%
+26.9% YoY+4.9% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
54.7%
-10.3% YoY-3.9% QoQ
|
-26.7% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 9.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
29.2%
+19.7% YoY+22.5% QoQ
|
-32.0% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.4% in tier |
| AMR |
$15,105
-2.6% YoY+3.9% QoQ
|
+$478 |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
58th in tier |
| CD Concentration |
12.9%
-15.1% YoY+0.7% QoQ
|
-11.5% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
120
Members Per Employee (MPE)
engagement
Value:
707.667
Peer Avg: 365.701
#120 of 2596
Top 4.6% in <100M tier
209
Loan Growth Rate
growth
Value:
12.21%
Peer Avg: 59.01%
#209 of 2596
Top 8.0% in <100M tier
216
Net Charge-Off Rate
risk
Value:
-0.01%
Peer Avg: 0.57%
#216 of 2596
Top 8.3% in <100M tier
242
Efficiency Ratio
profitability
Value:
54.74%
Peer Avg: 81.39%
#242 of 2596
Top 9.3% in <100M tier
Top Weaknesses (4 metrics)
2468
Net Interest Margin (NIM)
profitability
Value:
2.23%
Peer Avg: 3.93%
#2468 of 2596
Bottom 5.0% in <100M tier
2347
Loan-to-Share Ratio
balance_sheet
Value:
29.24%
Peer Avg: 61.23%
#2347 of 2596
Bottom 9.6% in <100M tier
2244
Deposit Growth Rate
growth
Value:
-6.25%
Peer Avg: 16.80%
#2244 of 2596
Bottom 13.6% in <100M tier
2167
Asset Growth Rate
growth
Value:
-4.24%
Peer Avg: 1.82%
#2167 of 2596
Bottom 16.6% in <100M tier