Highway Alliance Credit Union Jefferson City, Missouri
Highway Alliance Credit Union is a state-chartered credit union headquartered in Jefferson City, MO, established in 1958 (NCUA charter 67700), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,653 members and total assets of $29.5M (up 6.6% from Q2 2025), the 51st largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 11.47% at Q2 2026, in the well capitalized band.
Also written as Highway Alliance 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
- 67700
- Headquarters
- Jefferson City, MO
- Established
- 1958
- Total assets, Q2 2026
- $29.5M
- Assets vs Q2 2025
- +6.6%
- Members, Q2 2026
- 1,653
- Net worth ratio, Q2 2026
- 11.47%
- Latest call report
- Q2 2026, NCUA 5300 · Highway Alliance Credit Union call report
- Asset rank in state
- 51st of 85 in Missouri
- Routing number
- 286580810
- Branches
- 1
It has 12 more members than on June 30, 2025 (+0.7%). Its net worth ratio was up 0.17 percentage points from 11.30% on June 30, 2025. Used vehicle loans are its largest loan category, $7.8M of $16.4M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 11.47% net worth ratio is below that band's 14.31% median.
Frequently asked about Highway Alliance Credit Union
How big is Highway Alliance Credit Union?
At Q2 2026 it reported total assets of $29.5M and 1,653 members.
Where is Highway Alliance Credit Union headquartered?
It is headquartered in Jefferson City, MO, United States.
When was Highway Alliance Credit Union founded?
It was established in 1958, per NCUA records.
Is Highway Alliance Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67700): 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 Highway Alliance 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 Highway Alliance Credit Union well capitalized?
Its net worth ratio was 11.47% 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 Highway Alliance Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Highway Alliance Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 62.78% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Jefferson City, MO 65109
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1958
- NCUA Charter #
- 67700
- RSSD ID
- 250391
- Members
- 1,653
- Potential members
- 10,000
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 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 11.47% | 14.31% | 28th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.14% | 0.72% | 68th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 9.92% | 4.74% | 80th top |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.12% | 3.93% | 20th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 65.80% | 79.83% | 78th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.76% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.80% | 0.86% | 53rd above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.88% | 4.70% | 57th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 62.78% | 58.92% | 56th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$29.5M total assets against $27.7M; $26.1M total shares and deposits against $24.5M; $16.4M total loans against $14.5M.
$3.4M net worth against $3.1M.
11.47% net worth ratio against 11.30%.
62.78% loan-to-share ratio against 59.35%.
0.80% delinquency ratio against 0.20%.
1.14% return on assets against 0.71%; 9.92% return on equity against 6.31%.
3.12% net interest margin against 2.89%.
1,653 members against 1,641.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.47% | 1.14% | 0.80% | 62.78% |
| March 31, 2026 | 11.54% | 0.80% | 0.30% | 62.14% |
| December 31, 2025 | 11.58% | 0.68% | 0.25% | 62.70% |
| September 30, 2025 | 11.48% | 0.98% | 0.33% | 60.24% |
| June 30, 2025 | 11.30% | 0.71% | 0.20% | 59.35% |
| March 31, 2025 | 11.05% | 0.88% | 0.03% | 58.00% |
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.