Highway Federal Credit Union Hughestown, Pennsylvania
Highway Federal Credit Union is a federal credit union headquartered in Hughestown, PA, established in 1971 (NCUA charter 20691), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,517 members and total assets of $35.0M (up 7.4% from Q2 2025), the 146th largest of 269 credit unions headquartered in Pennsylvania. Its net worth ratio was 18.15% at Q2 2026, in the well capitalized band.
Also written as Highway FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 20691
- Headquarters
- Hughestown, PA
- Established
- 1971
- Total assets, Q2 2026
- $35.0M
- Assets vs Q2 2025
- +7.4%
- Members, Q2 2026
- 2,517
- Net worth ratio, Q2 2026
- 18.15%
- Latest call report
- Q2 2026, NCUA 5300 · Highway Federal Credit Union call report
- Asset rank in state
- 146th of 269 in Pennsylvania
- Routing number
- 231385073
- Branches
- 4
It has 39 more members than on June 30, 2025 (+1.6%). Its net worth ratio was up 0.11 percentage points from 18.04% on June 30, 2025. New vehicle loans are its largest loan category, $4.3M of $12.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 2.00% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 18.15% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Pennsylvania
Frequently asked about Highway Federal Credit Union
How big is Highway Federal Credit Union?
At Q2 2026 it reported total assets of $35.0M and 2,517 members.
Where is Highway Federal Credit Union headquartered?
It is headquartered in Hughestown, PA, United States.
When was Highway Federal Credit Union founded?
It was established in 1971, per NCUA records.
Is Highway Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 20691): 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 Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Highway Federal Credit Union well capitalized?
Its net worth ratio was 18.15% 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 Federal Credit Union's delinquency ratio?
Its delinquency ratio was 2.00% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Highway Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 42.86% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hughestown, PA 18640
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1971
- NCUA Charter #
- 20691
- RSSD ID
- 734181
- Members
- 2,517
- Potential members
- 8,000
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 0 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% | 18.15% | 14.31% | 69th above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.84% | 0.72% | 55th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 4.63% | 4.74% | 49th below |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.86% | 3.93% | 47th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 74.97% | 79.83% | 60th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.85% | 0.78% | 46th below |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 2.00% | 0.86% | 24th bottom |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.71% | 4.70% | 50th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 42.86% | 58.92% | 26th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$35.0M total assets against $32.6M; $29.3M total shares and deposits against $26.9M; $12.6M total loans against $12.8M.
$6.4M net worth against $5.9M.
18.15% net worth ratio against 18.04%.
42.86% loan-to-share ratio against 47.47%.
2.00% delinquency ratio against 0.84%.
0.84% return on assets against 2.84%; 4.63% return on equity against 15.71%.
3.86% net interest margin against 5.23%.
2,517 members against 2,478.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 18.15% | 0.84% | 2.00% | 42.86% |
| March 31, 2026 | 17.98% | 1.26% | 1.92% | 42.75% |
| December 31, 2025 | 17.92% | 1.65% | 1.56% | 43.61% |
| September 30, 2025 | 18.23% | 1.81% | 1.32% | 47.04% |
| June 30, 2025 | 18.04% | 2.84% | 0.84% | 47.47% |
| March 31, 2025 | 17.65% | 2.70% | 0.97% | 46.97% |
Scroll sideways to see every column.
Watch flags
Loans 60+ days delinquent exceed 2% of the loan book, well above the credit-union industry norm of under 1%. Sustained high delinquency erodes net worth through charge-offs. BankRegReports band vs the <1% industry norm.
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.