District One Highway Credit Union Saint Joseph, Missouri
District One Highway Credit Union is a state-chartered credit union headquartered in Saint Joseph, MO, established in 1954 (NCUA charter 63420), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,968 members and total assets of $30.5M (up 0.4% from Q2 2025), the 50th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 18.78% at Q2 2026, in the well capitalized band.
Also written as District One Highway 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
- 63420
- Headquarters
- Saint Joseph, MO
- Established
- 1954
- Total assets, Q2 2026
- $30.5M
- Assets vs Q2 2025
- +0.4%
- Members, Q2 2026
- 1,968
- Net worth ratio, Q2 2026
- 18.78%
- Latest call report
- Q2 2026, NCUA 5300 · District One Highway Credit Union call report
- Asset rank in state
- 50th of 85 in Missouri
- Routing number
- 301281832
- Branches
- 1
It has 153 fewer members than on June 30, 2025 (-7.2%). Its net worth ratio was up 1.17 percentage points from 17.61% on June 30, 2025. Used vehicle loans are its largest loan category, $4.2M of $7.1M in total loans on its June 30, 2026 filing.
Frequently asked about District One Highway Credit Union
How big is District One Highway Credit Union?
At Q2 2026 it reported total assets of $30.5M and 1,968 members.
Where is District One Highway Credit Union headquartered?
It is headquartered in Saint Joseph, MO, United States.
When was District One Highway Credit Union founded?
It was established in 1954, per NCUA records.
Is District One Highway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 63420): 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 One Highway 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 One Highway Credit Union well capitalized?
Its net worth ratio was 18.78% 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 One Highway Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 28.92% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Saint Joseph, MO 64506
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1954
- NCUA Charter #
- 63420
- RSSD ID
- 160799
- Members
- 1,968
- Potential members
- 3,640
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 1 of 6 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% | 18.78% | 14.31% | 72nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.23% | 0.72% | 72nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 6.53% | 4.74% | 61st above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.49% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 53.08% | 79.83% | over 90th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.00% | 0.78% | 38th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | not on file | 0.86% | not on file |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.49% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 28.92% | 58.92% | 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$30.5M total assets against $30.3M; $24.6M total shares and deposits against $24.9M; $7.1M total loans against $5.9M.
$5.7M net worth against $5.3M.
18.78% net worth ratio against 17.61%.
28.92% loan-to-share ratio against 23.86%.
1.23% return on assets against 1.09%; 6.53% return on equity against 6.16%.
2.49% net interest margin against 2.22%.
1,968 members against 2,121.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.78% | 1.23% | — | 28.92% |
| March 31, 2026 | 18.53% | 1.18% | — | 27.24% |
| December 31, 2025 | 18.40% | 1.24% | — | 28.27% |
| September 30, 2025 | 17.92% | 1.33% | — | 29.24% |
| June 30, 2025 | 17.61% | 1.09% | — | 23.86% |
| March 31, 2025 | 17.24% | 0.83% | — | 24.05% |
Scroll sideways to see every column.
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.