HIGHWAY DISTRICT 2
Charter #67468 | TX
<100M
(2596 CUs)
Micro
($0-$500M)
245 <100M in TX
HIGHWAY DISTRICT 2 has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 1.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.6% in tier
- + Net Worth Ratio: Top 5.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Growth Rate: Bottom 3.5% in tier
- - Asset Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
665
-1.2% YoY0% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 18.4% in tier |
| Assets |
$4.4M
-9.4% YoY-2.5% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 17.3% in tier |
| Loans |
$2.2M
+25.8% YoY+7.3% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 18.9% in tier |
| Deposits |
$3.1M
-14.2% YoY-3.8% QoQ
|
$-22.4M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 16.1% in tier |
| ROA |
0.9%
-1.8% YoY-15.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
55th in tier |
| NIM |
5.0%
+9.6% YoY+1.8% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 14.7% in tier |
| Efficiency Ratio |
79.0%
+4.1% YoY+1.3% QoQ
|
-2.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
52nd in tier |
| Delinquency Rate | 0.3% | -1.2 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
33rd in tier |
| Loan To Share |
71.4%
+46.7% YoY+11.5% QoQ
|
+10.2% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
64th in tier |
| AMR |
$7,916
+0.1% YoY+0.5% QoQ
|
$-7K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 19.1% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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
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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
42
Loan Growth Rate
growth
Value:
25.85%
Peer Avg: 59.01%
#42 of 2596
Top 1.6% in <100M tier
145
Net Worth Ratio
risk
Value:
30.75%
Peer Avg: 16.43%
#145 of 2596
Top 5.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
382
Net Interest Margin (NIM)
profitability
Value:
4.97%
Peer Avg: 3.93%
#382 of 2596
Top 14.7% in <100M tier
Top Weaknesses (8 metrics)
2506
Deposit Growth Rate
growth
Value:
-14.22%
Peer Avg: 16.80%
#2506 of 2596
Bottom 3.5% in <100M tier
2443
Asset Growth Rate
growth
Value:
-9.42%
Peer Avg: 1.82%
#2443 of 2596
Bottom 5.9% in <100M tier
2177
Total Deposits
balance_sheet
Value:
$3.07M
Peer Avg: $25.45M
#2177 of 2596
Bottom 16.2% in <100M tier
2146
Total Assets
balance_sheet
Value:
$4.44M
Peer Avg: $29.86M
#2146 of 2596
Bottom 17.4% in <100M tier
2118
Total Members
engagement
Value:
665
Peer Avg: 2,626
#2118 of 2596
Bottom 18.5% in <100M tier
2105
Total Loans
balance_sheet
Value:
$2.19M
Peer Avg: $15.77M
#2105 of 2596
Bottom 19.0% in <100M tier
2100
Average Member Relationship (AMR)
engagement
Value:
$7,916
Peer Avg: $14,627
#2100 of 2596
Bottom 19.1% in <100M tier
2030
Fee Income Per Member
profitability
Value:
$13.54
Peer Avg: $182.96
#2030 of 2596
Bottom 21.8% in <100M tier