TellerScore

Highway District 19 Employees Credit Union is a federally insured state-chartered credit union headquartered in Atlanta, Texas, in business for about 65 years. At the end of Q2 2026 it reported $7.1M in total assets and $5.6M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Highway District 19 Employees 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 380 credit unions headquartered in Texas, it ranks 193rd. Its strongest component is capital cushion (100/100; 20.70%), and its lowest is earnings (21/100; 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 20.70%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity70/100
Loans ÷ shares: 90.1% · 0.4% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.38%

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 earnings component weakened by 17 points.

TellerScore
707784Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202483
Q3 202484
Q4 202475
Q1 202575
Q2 202577
Q3 202576
Q4 202577
Q1 202670
Q2 202673
Net worth ratio
7.00%13.88%20.77%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202417.69%
Q3 202417.63%
Q4 202418.33%
Q1 202518.99%
Q2 202519.65%
Q3 202520.12%
Q4 202520.11%
Q1 202620.77%
Q2 202620.70%
Delinquent loans (60+ days)
0.00%0.36%0.72%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.56%
Q1 20250.42%
Q2 20250.51%
Q3 20250.60%
Q4 20250.67%
Q1 20260.70%
Q2 20260.72%
Return on assets
-0.32%0.13%0.59%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.35%
Q3 20240.42%
Q4 20240.16%
Q1 2025-0.07%
Q2 20250.44%
Q3 20250.47%
Q4 20250.59%
Q1 2026-0.32%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$7.1M20.70%0.72%0.02%90.1%
Q1 202670$7.1M20.77%0.70%-0.32%92.9%
Q4 202577$7.3M20.11%0.67%0.59%96.1%
Q3 202576$7.4M20.12%0.60%0.47%101.6%
Q2 202577$7.5M19.65%0.51%0.44%101.0%
Q1 202575$7.7M18.99%0.42%-0.07%93.2%
Q4 202475$8.0M18.33%0.56%0.16%91.0%
Q3 202484$8.4M17.63%0.00%0.42%83.2%
Q2 202483$8.3M17.69%0.00%0.35%83.2%

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 ratio20.70%
79th
Problem loans0.72%
49th
Net charge-offs0.00%
77th
Return on assets0.02%
20th
Loans to deposits90.1%
9th
Uninsured deposits0.4%
59th
Loan-loss reserves1.11%
84th
Texas ratio2.4%
48th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Victoria City-County Employees Federal Credit UnionCredit union Victoria, TX80 out of 100, Strong$7.0M14.7%0.06%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Seminole Public Schools Federal Credit UnionCredit union Seminole, TX58 out of 100, Moderate$7.4M22.3%4.37%vs
Brownsville City Employees Federal Credit UnionCredit union Brownsville, TX83 out of 100, Strong$6.9M31.9%0.40%vs
Wharton County Teachers Credit UnionCredit union Wharton, TX90 out of 100, Very strong$7.4M28.4%0.18%vs
Galveston Government Employees Credit UnionCredit union Dickinson, TX32 out of 100, Low$6.8M9.3%3.07%vs

Deposit insurance

Is my money safe at Highway District 19 Employees Credit Union?

Yes. Highway District 19 Employees Credit Union is a federally insured credit union (NCUA charter #60491). 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 0.4% of shares and deposits ($22K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 20.70%, well 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 District 19 Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway District 19 Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60491
RSSD ID
547895
Primary regulator
State + NCUA
Established
1961
Headquarters
Po Box 1085, Atlanta, TX 75551
Employees
4

Quick answers

Highway District 19 Employees Credit Union: common questions

Is Highway District 19 Employees Credit Union NCUA insured?

Yes. Highway District 19 Employees Credit Union is a federally insured credit union (NCUA charter #60491). 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 District 19 Employees 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 District 19 Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Atlanta

InstitutionScoreAssetsCapitalProblem loansCompare
Domino Federal Credit UnionCredit union Texarkana, TX96 out of 100, Very strong$86.6M17.5%0.35%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Federal Employees Credit UnionCredit union Texarkana, TX83 out of 100, Strong$2.9M22.9%0.00%vs
State Bank of De KalbBank De Kalb, TX82 out of 100, Strong$519.9M12.2%0.24%vs
Community BankBank Longview, TX82 out of 100, Strong$315.5M11.9%0.00%vs
Texar Federal Credit UnionCredit union Texarkana, TX81 out of 100, Strong$440.5M16.4%0.72%vs