Credit Union Safety Analysis
Is Division #6 Highway Credit Union Safe? Chesterfield, Missouri
Based on its Q2 2026 NCUA 5300 call report, Division #6 Highway Credit Union has a net worth ratio of 17.88%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.24%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Division #6 Highway Credit Union's net worth ratio is 17.88%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 17.88%
- Delinquency ratio (60+ days) (Q2 2026): 0.24%
- Return on assets (Q2 2026): 0.62%
- Loan-to-share ratio (Q2 2026): 69.10%
Division #6 Highway Credit Union (NCUA charter 64755, established 1953) reported $15.7M in assets and 1,717 members for Q2 2026 from Chesterfield, Missouri. It ranks 66 of 85 credit unions in Missouri by total assets. Total assets fell 2.5% from $16.1M on June 30, 2025. It has 20 fewer members than on June 30, 2025 (-1.2%). Its net worth ratio was up 1.45 percentage points from 16.43% on June 30, 2025. Used vehicle loans are its largest loan category, $3.2M of $8.7M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.24% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 17.31% for Q1 2026; 16.43% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.04% for Q1 2026; 0.07% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.19% for Q1 2026; 0.91% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 66.54% for Q1 2026; 66.57% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $3.2M
- 1- to 4-family residential and other consumer real estate loans: $2.4M
- New vehicle loans: $1.8M
- Other secured non-real estate loans and lines of credit: $1.1M
- Other unsecured loans and lines of credit: $147K
- Unsecured credit card loans: $138K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $15.7M | 17.88% | 0.24% | 0.62% | 69.10% |
| March 31, 2026 | $16.1M | 17.31% | 0.04% | 1.19% | 66.54% |
| December 31, 2025 | $15.9M | 17.20% | 0.04% | 1.25% | 66.39% |
| September 30, 2025 | $15.7M | 17.13% | 0.04% | 1.15% | 68.40% |
| June 30, 2025 | $16.1M | 16.43% | 0.07% | 0.91% | 66.57% |
| March 31, 2025 | $16.3M | 15.95% | 0.01% | 0.98% | 64.29% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Division #6 Highway Credit Union profile
Regulator records: NCUA credit union profile (charter 64755) · FFIEC NIC profile (RSSD 745299)
Frequently asked questions
Is Division #6 Highway Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Division #6 Highway Credit Union's net worth ratio is 17.88%, above the 7% NCUA threshold for well capitalized.
Is Division #6 Highway Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Division #6 Highway Credit Union is a federally insured credit union (NCUA charter 64755): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Division #6 Highway Credit Union's key safety ratios?
For Q2 2026, Division #6 Highway Credit Union reports net worth 17.88%, delinquency 0.24%, ROA 0.62%, loan-to-share 69.10%.
What happens to my money if Division #6 Highway Credit Union fails?
For Q2 2026, Division #6 Highway Credit Union held $12.6M in shares and deposits for 1,717 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.