Highway District 9
Waco, TX · Charter 67469 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 1 branch
Q2 2026
$4.2MAssets
$1.8MLoans
$3.1MShares
$1.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 89% of credit unions under $1B in assets in TX (rank 25 of 235).
- Widest gap: return on equity trails 58% of credit unions under $1B in assets in TX (rank 136 of 235).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.86%
Rank 85 of 235
Net Interest Margin
4.51%
Rank 46 of 235
Efficiency Ratio
82.00%
Rank 118 of 235
Equity / Assets
26.37%
Rank 25 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.17% | 0.57% | 1.10% | Beats 64% | 85 / 235 | | |
| Return on Equity | 3.24% | 1.03% | 4.30% | 7.58% | Beats 42% | 136 / 235 | | |
| Net Interest Margin | 4.51% | 3.32% | 3.89% | 4.35% | Beats 80% | 46 / 235 | | |
| Efficiency Ratio | 82.00% | 70.60% | 82.00% | 91.57% | Beats 50% | 118 / 235 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.59% | 1.14% | Beats 54% | 108 / 235 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.37% | 11.30% | 14.41% | 19.49% | Beats 89% | 25 / 235 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.37% | 11.30% | 14.41% | 19.49% | Beats 89% | 25 / 235 | | |
| Liquidity & Funding |
| Loans / Deposits | 59.03% | 54.18% | 67.38% | 81.66% | 32nd pctl | 160 / 235 | | |
| Loans / Assets | 42.87% | 43.80% | 56.63% | 68.64% | 23rd pctl | 182 / 235 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |