Highway District 9 Credit Union Waco, Texas
Highway District 9 Credit Union is a state-chartered credit union headquartered in Waco, TX (NCUA charter 67469), and it is regulated and insured by the NCUA. At Q2 2026 it reported 713 members and total assets of $4.2M (up 2.5% from Q2 2025), the 345th largest of 377 credit unions headquartered in Texas. Its net worth ratio was 26.36% at Q2 2026, in the well capitalized band.
Also written as Highway District 9 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
- 67469
- Headquarters
- Waco, TX
- Established
- Not reported
- Total assets, Q2 2026
- $4.2M
- Assets vs Q2 2025
- +2.5%
- Members, Q2 2026
- 713
- Net worth ratio, Q2 2026
- 26.36%
- Latest call report
- Q2 2026, NCUA 5300 · Highway District 9 Credit Union call report
- Asset rank in state
- 345th of 377 in Texas
- Routing number
- 311989881
- Branches
- 1
It has 7 fewer members than on June 30, 2025 (-1.0%). Its net worth ratio was up 0.22 percentage points from 26.14% on June 30, 2025. Used vehicle loans are its largest loan category, $954K of $1.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.51% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 26.36% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Texas
Frequently asked about Highway District 9 Credit Union
How big is Highway District 9 Credit Union?
At Q2 2026 it reported total assets of $4.2M and 713 members.
Where is Highway District 9 Credit Union headquartered?
It is headquartered in Waco, TX, United States.
Is Highway District 9 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67469): 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 9 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 9 Credit Union well capitalized?
Its net worth ratio was 26.36% 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 9 Credit Union's delinquency ratio?
Its delinquency ratio was 0.51% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Highway District 9 Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.02% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Waco, TX 76701
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67469
- RSSD ID
- 830793
- Members
- 713
- Potential members
- 2,304
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 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% | 26.36% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.71% | 0.72% | 50th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 2.70% | 4.74% | 36th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.51% | 3.93% | 74th above |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 84.99% | 79.83% | 39th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.28% | 0.78% | 24th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.51% | 0.86% | 67th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 5.79% | 4.70% | 84th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 59.02% | 58.92% | 50th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$4.2M total assets against $4.1M; $3.1M total shares and deposits against $3.0M; $1.8M total loans against $1.7M.
$1.1M net worth against $1.1M.
26.36% net worth ratio against 26.14%.
59.02% loan-to-share ratio against 56.89%.
0.51% delinquency ratio against 0.36%.
0.71% return on assets against 3.30%; 2.70% return on equity against 12.61%.
4.51% net interest margin against 4.42%.
713 members against 720.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 26.36% | 0.71% | 0.51% | 59.02% |
| March 31, 2026 | 26.15% | 0.96% | — | 60.87% |
| December 31, 2025 | 26.68% | 0.97% | 0.18% | 64.61% |
| September 30, 2025 | 26.30% | 0.87% | 0.23% | 58.73% |
| June 30, 2025 | 26.14% | 3.30% | 0.36% | 56.89% |
| March 31, 2025 | 25.75% | 0.80% | 1.36% | 55.48% |
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.