BlastPoint's Credit Union Scorecard
HIGHWAY ALLIANCE
Charter #67700 · MO
HIGHWAY ALLIANCE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Average Member Relationship (AMR): Top 8.7% in tier
- + Loan-to-Member Ratio (LMR): Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,647
0% YoY-0.5% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$28.6M
+2.6% YoY+2.1% QoQ
|
$-1.6M |
$30.2M
+1.3% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
58% |
| Loans |
$15.7M
+9.2% YoY+1.2% QoQ
|
+$399K |
$15.3M
-2.0% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$25.2M
+1.9% YoY+2.1% QoQ
|
$-551K |
$25.8M
+0.7% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
59% |
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| ROA |
0.8%
-10.3% YoY-1.7% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
3.2%
+22.0% YoY+11.3% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
69.7%
-11.3% YoY-6.0% QoQ
|
-20.9% |
90.6%
+6.5% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.3%
+18.7% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
34% |
| Loan To Share |
62.1%
+7.1% YoY-0.9% QoQ
|
+3.6% |
58.5%
-3.0% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$24,840
+4.6% YoY+2.3% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
Top 8.8% in tier |
| CD Concentration |
41.9%
+16.6% YoY+2.5% QoQ
|
+17.7% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.8% | 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)