Credit Union Safety Analysis
Is Paris Hi-Way Credit Union Safe? Paris, Illinois
Based on its Q2 2026 NCUA 5300 call report, Paris Hi-Way Credit Union has a net worth ratio of 15.79%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, 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, Paris Hi-Way Credit Union's net worth ratio is 15.79%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.79%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 2.02%
- Loan-to-share ratio (Q2 2026): 61.71%
Paris Hi-Way Credit Union (NCUA charter 64242, established 1955) reported $11.3M in assets and 851 members for Q2 2026 from Paris, Illinois. It ranks 112 of 185 credit unions in Illinois by total assets. Total assets grew 4.2% from $10.8M on June 30, 2025. It has 19 fewer members than on June 30, 2025 (-2.2%). Its net worth ratio was down 0.39 percentage points from 16.18% on June 30, 2025. Used vehicle loans are its largest loan category, $2.9M of $5.8M in total loans on its June 30, 2026 filing.
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: 15.77% for Q1 2026; 16.18% 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%.
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: 2.13% for Q1 2026; 2.48% 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: 63.68% for Q1 2026; 71.54% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.9M
- New vehicle loans: $1.5M
- Other unsecured loans and lines of credit: $1.1M
- Other secured non-real estate loans and lines of credit: $300K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.3M | 15.79% | — | 2.02% | 61.71% |
| March 31, 2026 | $11.0M | 15.77% | — | 2.13% | 63.68% |
| December 31, 2025 | $10.8M | 15.46% | 0.07% | -5.49% | 65.91% |
| September 30, 2025 | $10.8M | 16.84% | 0.03% | 2.33% | 71.20% |
| June 30, 2025 | $10.8M | 16.18% | — | 2.48% | 71.54% |
| March 31, 2025 | $10.7M | 15.82% | 0.05% | 2.06% | 69.81% |
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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.
Paris Hi-Way Credit Union profile
Regulator records: NCUA credit union profile (charter 64242) · FFIEC NIC profile (RSSD 575599)
Frequently asked questions
Is Paris Hi-Way Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Paris Hi-Way Credit Union's net worth ratio is 15.79%, above the 7% NCUA threshold for well capitalized.
Is Paris Hi-Way Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Paris Hi-Way Credit Union is a federally insured credit union (NCUA charter 64242): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Paris Hi-Way Credit Union's key safety ratios?
For Q2 2026, Paris Hi-Way Credit Union reports net worth 15.79%, delinquency not reported, ROA 2.02%, loan-to-share 61.71%.
What happens to my money if Paris Hi-Way Credit Union fails?
For Q2 2026, Paris Hi-Way Credit Union held $9.5M in shares and deposits for 851 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.