Credit Union Safety Analysis
Is Highway District 9 Credit Union Safe? Waco, Texas
Based on its Q2 2026 NCUA 5300 call report, Highway District 9 Credit Union has a net worth ratio of 26.36%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.51%, 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, Highway District 9 Credit Union's net worth ratio is 26.36%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 26.36%
- Delinquency ratio (60+ days) (Q2 2026): 0.51%
- Return on assets (Q2 2026): 0.71%
- Loan-to-share ratio (Q2 2026): 59.02%
Highway District 9 Credit Union (NCUA charter 67469) reported $4.2M in assets and 713 members for Q2 2026 from Waco, Texas. It ranks 345 of 377 credit unions in Texas by total assets. Total assets grew 2.5% from $4.1M on June 30, 2025. 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.
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: 26.15% for Q1 2026; 26.14% 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: 0.36% 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: 0.96% for Q1 2026; 3.30% 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: 60.87% for Q1 2026; 56.89% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $954K
- New vehicle loans: $498K
- Other secured non-real estate loans and lines of credit: $189K
- Other unsecured loans and lines of credit: $152K
- 1- to 4-family residential and other consumer real estate loans: $12K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $4.2M | 26.36% | 0.51% | 0.71% | 59.02% |
| March 31, 2026 | $4.2M | 26.15% | — | 0.96% | 60.87% |
| December 31, 2025 | $4.1M | 26.68% | 0.18% | 0.97% | 64.61% |
| September 30, 2025 | $4.1M | 26.30% | 0.23% | 0.87% | 58.73% |
| June 30, 2025 | $4.1M | 26.14% | 0.36% | 3.30% | 56.89% |
| March 31, 2025 | $4.0M | 25.75% | 1.36% | 0.80% | 55.48% |
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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.
Highway District 9 Credit Union profile
Regulator records: NCUA credit union profile (charter 67469) · FFIEC NIC profile (RSSD 830793)
Frequently asked questions
Is Highway District 9 Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Highway District 9 Credit Union's net worth ratio is 26.36%, above the 7% NCUA threshold for well capitalized.
Is Highway District 9 Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Highway District 9 Credit Union is a federally insured credit union (NCUA charter 67469): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Highway District 9 Credit Union's key safety ratios?
For Q2 2026, Highway District 9 Credit Union reports net worth 26.36%, delinquency 0.51%, ROA 0.71%, loan-to-share 59.02%.
What happens to my money if Highway District 9 Credit Union fails?
For Q2 2026, Highway District 9 Credit Union held $3.1M in shares and deposits for 713 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.