Highway District 2 Credit Union Fort Worth, Texas
Highway District 2 Credit Union is a state-chartered credit union headquartered in Fort Worth, TX (NCUA charter 67468), and it is regulated and insured by the NCUA. At Q2 2026 it reported 646 members and total assets of $3.6M (down 21.1% from Q2 2025), the 351st largest of 377 credit unions headquartered in Texas. Its net worth ratio was 37.94% at Q2 2026, in the well capitalized band.
Also written as Highway District 2 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
- 67468
- Headquarters
- Fort Worth, TX
- Established
- Not reported
- Total assets, Q2 2026
- $3.6M
- Assets vs Q2 2025
- -21.1%
- Members, Q2 2026
- 646
- Net worth ratio, Q2 2026
- 37.94%
- Latest call report
- Q2 2026, NCUA 5300 · Highway District 2 Credit Union call report
- Asset rank in state
- 351st of 377 in Texas
- Routing number
- 311981782
- Branches
- 1
It has 19 fewer members than on June 30, 2025 (-2.9%). Its net worth ratio was up 8.08 percentage points from 29.86% on June 30, 2025. Used vehicle loans are its largest loan category, $1.1M of $2.5M in total loans on its June 30, 2026 filing.
Credit unions similar in size in Texas
Frequently asked about Highway District 2 Credit Union
How big is Highway District 2 Credit Union?
At Q2 2026 it reported total assets of $3.6M and 646 members.
Where is Highway District 2 Credit Union headquartered?
It is headquartered in Fort Worth, TX, United States.
Is Highway District 2 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67468): 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 District 2 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 District 2 Credit Union well capitalized?
Its net worth ratio was 37.94% 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 District 2 Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 112.21% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Fort Worth, TX 76133
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67468
- RSSD ID
- 775399
- Members
- 646
- Potential members
- 1,500
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 3 of 6 ranked measures and in the bottom quartile on 3.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 37.94% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | -0.28% | 0.72% | 17th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | -0.73% | 4.74% | 20th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 5.43% | 3.93% | over 90th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 104.74% | 79.83% | under 10th bottom |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.27% | 0.78% | 82nd top |
| 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% | 5.70% | 4.70% | 82nd position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 112.21% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.6M total assets against $4.6M; $2.2M total shares and deposits against $3.2M; $2.5M total loans against $2.0M.
$1.4M net worth against $1.4M.
37.94% net worth ratio against 29.86%.
112.21% loan-to-share ratio against 64.09%.
-0.28% return on assets against 0.98%; -0.73% return on equity against 3.27%.
5.43% net interest margin against 4.90%.
646 members against 665.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 37.94% | -0.28% | — | 112.21% |
| March 31, 2026 | 31.63% | -0.01% | — | 84.47% |
| December 31, 2025 | 31.84% | 0.17% | — | 82.25% |
| September 30, 2025 | 30.75% | 0.52% | 0.32% | 71.44% |
| June 30, 2025 | 29.86% | 0.98% | — | 64.09% |
| March 31, 2025 | 28.94% | 1.08% | — | 61.51% |
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Watch flags
The credit union posted negative net income relative to assets in its latest filing. Credit unions build net worth only through retained earnings, so sustained losses gradually weaken capital. BankRegReports flag, negative earnings.
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
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.