District 9 Highway Employees Credit Union Willow Springs, Missouri
District 9 Highway Employees Credit Union is a state-chartered credit union headquartered in Willow Springs, MO, established in 1954 (NCUA charter 64222), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,920 members and total assets of $9.2M (down 3.7% from Q2 2025), the 70th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 15.81% at Q2 2026, in the well capitalized band.
Also written as District 9 Highway Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 64222
- Headquarters
- Willow Springs, MO
- Established
- 1954
- Total assets, Q2 2026
- $9.2M
- Assets vs Q2 2025
- -3.7%
- Members, Q2 2026
- 1,920
- Net worth ratio, Q2 2026
- 15.81%
- Latest call report
- Q2 2026, NCUA 5300 · District 9 Highway Employees Credit Union call report
- Asset rank in state
- 70th of 85 in Missouri
- Routing number
- 281583045
- Branches
- 1
It has 26 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.82 percentage points from 14.99% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $2.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.66% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 15.81% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Missouri
Frequently asked about District 9 Highway Employees Credit Union
How big is District 9 Highway Employees Credit Union?
At Q2 2026 it reported total assets of $9.2M and 1,920 members.
Where is District 9 Highway Employees Credit Union headquartered?
It is headquartered in Willow Springs, MO, United States.
When was District 9 Highway Employees Credit Union founded?
It was established in 1954, per NCUA records.
Is District 9 Highway Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 64222): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates District 9 Highway Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is District 9 Highway Employees Credit Union well capitalized?
Its net worth ratio was 15.81% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is District 9 Highway Employees Credit Union's delinquency ratio?
Its delinquency ratio was 1.66% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is District 9 Highway Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 37.65% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Willow Springs, MO 65793
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 64222
- RSSD ID
- 389291
- Members
- 1,920
- Potential members
- 70,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 0 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 15.81% | 14.31% | 57th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.30% | 0.72% | 31st below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 1.92% | 4.74% | 31st below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.97% | 3.93% | 16th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 70.43% | 79.83% | 70th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.60% | 0.78% | 61st above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 1.66% | 0.86% | 31st below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.57% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 37.65% | 58.92% | 20th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.2M total assets against $9.6M; $7.7M total shares and deposits against $8.1M; $2.9M total loans against $3.6M.
$1.5M net worth against $1.4M.
15.81% net worth ratio against 14.99%.
37.65% loan-to-share ratio against 44.36%.
1.66% delinquency ratio against 1.81%.
0.30% return on assets against -0.24%; 1.92% return on equity against -1.59%.
2.97% net interest margin against 2.04%.
1,920 members against 1,946.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 15.81% | 0.30% | 1.66% | 37.65% |
| March 31, 2026 | 15.67% | 0.02% | 2.05% | 40.76% |
| December 31, 2025 | 15.48% | 0.61% | 2.57% | 42.20% |
| September 30, 2025 | 14.78% | -0.03% | 2.33% | 42.99% |
| June 30, 2025 | 14.99% | -0.24% | 1.81% | 44.36% |
| March 31, 2025 | 15.17% | 0.30% | 1.38% | 50.06% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.