TellerScore

Highway Alliance Credit Union is a federally insured state-chartered credit union headquartered in Jefferson city, Missouri, in business for about 68 years. At the end of Q2 2026 it reported $29.5M in total assets and $26.1M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Highway Alliance Credit Union scores 73/100, which we describe as strong. That is higher than only 47% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 35th. Its strongest component is funding & liquidity (97/100; 63% loans-to-deposits, 5% uninsured), and its lowest is earnings (58/100; 0.96%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Net worth ratio: 11.47%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.80%
Earnings58/100
Return on assets (annualized): 0.96%
Funding & liquidity97/100
Loans ÷ shares: 62.8% · 5.2% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.85%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 4 points (77 → 73), mostly because the loan quality component weakened by 20 points.

TellerScore
737679Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202478
Q3 202473
Q4 202475
Q1 202579
Q2 202577
Q3 202577
Q4 202578
Q1 202677
Q2 202673
Net worth ratio
7.00%9.29%11.58%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.47%
Q3 202411.36%
Q4 202411.12%
Q1 202511.05%
Q2 202511.30%
Q3 202511.48%
Q4 202511.58%
Q1 202611.54%
Q2 202611.47%
Delinquent loans (60+ days)
0.03%0.41%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.05%
Q3 20240.35%
Q4 20240.04%
Q1 20250.03%
Q2 20250.20%
Q3 20250.33%
Q4 20250.25%
Q1 20260.30%
Q2 20260.80%
Return on assets
0.42%0.69%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.52%
Q4 20240.42%
Q1 20250.88%
Q2 20250.80%
Q3 20250.86%
Q4 20250.81%
Q1 20260.80%
Q2 20260.96%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$29.5M11.47%0.80%0.96%62.8%
Q1 202677$28.6M11.54%0.30%0.80%62.1%
Q4 202578$28.0M11.58%0.25%0.81%62.7%
Q3 202577$27.9M11.48%0.33%0.86%60.2%
Q2 202577$27.7M11.30%0.20%0.80%59.3%
Q1 202579$27.9M11.05%0.03%0.88%58.0%
Q4 202475$27.1M11.12%0.04%0.42%60.9%
Q3 202473$26.5M11.36%0.35%0.52%64.7%
Q2 202478$26.2M11.47%0.05%0.70%65.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.47%
27th
Problem loans0.80%
46th
Net charge-offs0.15%
52nd
Return on assets0.96%
66th
Loans to deposits62.8%
44th
Uninsured deposits5.2%
20th
Loan-loss reserves0.00%
37th
Texas ratio3.8%
36th

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
District One Highway Credit UnionCredit union Saint Joseph, MO94 out of 100, Very strong$30.5M18.8%0.00%vs
De Soto Mo Pac Credit UnionCredit union De Soto, MO58 out of 100, Moderate$30.5M9.7%1.33%vs
County Credit UnionCredit union Clayton, MO64 out of 100, Moderate$25.9M11.6%0.99%vs
Legacy Credit UnionCredit union Joplin, MO80 out of 100, Strong$25.4M17.5%1.60%vs
Columbia Credit UnionCredit union Columbia, MO77 out of 100, Strong$34.4M9.9%0.07%vs
Highway Crossroads Credit UnionCredit union Sikeston, MO47 out of 100, Below average$24.4M14.6%4.65%vs

Deposit insurance

Is my money safe at Highway Alliance Credit Union?

Yes. Highway Alliance Credit Union is a federally insured credit union (NCUA charter #67700). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 5.2% of shares and deposits ($1.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.47%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Highway Alliance Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway Alliance Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67700
RSSD ID
250391
Primary regulator
State + NCUA
Established
1958
Headquarters
2010 William St, Jefferson city, MO 65109
Employees
6

Quick answers

Highway Alliance Credit Union: common questions

Is Highway Alliance Credit Union NCUA insured?

Yes. Highway Alliance Credit Union is a federally insured credit union (NCUA charter #67700). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Highway Alliance Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Highway Alliance Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Jefferson city

InstitutionScoreAssetsCapitalProblem loansCompare
Knox Co. Employees Credit UnionCredit union Knoxville, TN96 out of 100, Very strong$12.5M18.8%0.04%vs
Our Lady of Snows Credit UnionCredit union Henley, MO96 out of 100, Very strong$4.6M15.3%0.00%vs
Farmers Bank of Lohman, MissouriBank Jefferson City, MO93 out of 100, Very strong$82.9M17.1%0.02%vs
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Maries County BankBank Vienna, MO89 out of 100, Very strong$600.5M14.8%0.12%vs
United Credit UnionCredit union Mexico, MO88 out of 100, Very strong$302.1M15.2%0.40%vs