TellerScore

Highway District 21 Federal Credit Union (NCUA charter #4148) is based in McAllen, Texas. Its Q2 2026 call report shows $51.6M in total assets and $39.4M in member shares and deposits and 2 offices.

Highway District 21 Federal Credit Union has a TellerScore of 95 out of 100 (very strong) based on Q2 2026 data — higher than 96% of its 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 15th. Capital cushion contributes the most (100/100, 23.08%); earnings contributes the least (86/100, 1.66%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 23.08%
Loan quality92/100
Loans 60+ days delinquent ÷ total loans: 0.23%
Earnings86/100
Return on assets (annualized): 1.66%
Funding & liquidity100/100
Loans ÷ shares: 53.1% · 12.3% uninsured
Problem-loan coverage99/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.40%

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 2 points (97 → 95), mostly because the earnings component weakened by 14 points.

TellerScore
909497Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202495
Q3 202493
Q4 202496
Q1 202594
Q2 202597
Q3 202597
Q4 202597
Q1 202690
Q2 202695
Net worth ratio
7.00%15.04%23.08%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202419.95%
Q3 202420.01%
Q4 202420.47%
Q1 202521.06%
Q2 202521.44%
Q3 202521.85%
Q4 202522.29%
Q1 202622.93%
Q2 202623.08%
Delinquent loans (60+ days)
0.15%0.48%0.81%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.30%
Q3 20240.48%
Q4 20240.15%
Q1 20250.62%
Q2 20250.36%
Q3 20250.38%
Q4 20250.25%
Q1 20260.81%
Q2 20260.23%
Return on assets
1.66%1.87%2.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.71%
Q3 20241.66%
Q4 20241.68%
Q1 20252.08%
Q2 20252.08%
Q3 20252.05%
Q4 20251.92%
Q1 20261.67%
Q2 20261.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202695$51.6M23.08%0.23%1.66%53.1%
Q1 202690$51.0M22.93%0.81%1.67%55.2%
Q4 202597$51.5M22.29%0.25%1.92%56.6%
Q3 202597$51.7M21.85%0.38%2.05%57.7%
Q2 202597$51.4M21.44%0.36%2.08%57.9%
Q1 202594$51.1M21.06%0.62%2.08%59.5%
Q4 202496$51.3M20.47%0.15%1.68%61.0%
Q3 202493$51.3M20.01%0.48%1.66%60.4%
Q2 202495$50.4M19.95%0.30%1.71%61.0%

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 ratio23.08%
85th
Problem loans0.23%
72nd
Net charge-offs0.02%
66th
Return on assets1.66%
89th
Loans to deposits53.1%
58th
Uninsured deposits12.3%
5th
Loan-loss reserves0.00%
37th
Texas ratio0.4%
77th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Caprock Santa Fe Credit UnionCredit union Slaton, TX85 out of 100, Very strong$51.5M41.7%1.77%vs
Lubrizol Employees' Credit UnionCredit union Deer Park, TX86 out of 100, Very strong$51.2M18.8%0.44%vs
Trans Texas Southwest Credit UnionCredit union San Angelo, TX77 out of 100, Strong$51.0M13.3%0.54%vs
Walker County Federal Credit UnionCredit union Huntsville, TX85 out of 100, Very strong$54.3M16.5%0.57%vs
Star Financial Credit UnionCredit union Corpus Christi, TX70 out of 100, Strong$48.8M11.0%0.40%vs
Heart O' Texas Federal Credit UnionCredit union Waco, TX49 out of 100, Below average$54.6M7.4%0.86%vs

Deposit insurance

Is my money safe at Highway District 21 Federal Credit Union?

Yes. Highway District 21 Federal Credit Union is a federally insured credit union (NCUA charter #4148). 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 12.3% of shares and deposits ($4.9M) 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 23.08%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Highway District 21 Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway District 21 Federal Credit Union
Type
Federal credit union
NCUA charter #
4148
RSSD ID
529079
Primary regulator
NCUA
Established
1940
Headquarters
Po Box 4402, McAllen, TX 78502
Employees
11

Quick answers

Highway District 21 Federal Credit Union: common questions

Is Highway District 21 Federal Credit Union NCUA insured?

Yes. Highway District 21 Federal Credit Union is a federally insured credit union (NCUA charter #4148). 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 21 Federal Credit Union's TellerScore?

95 out of 100 (Very 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 21 Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near McAllen

InstitutionScoreAssetsCapitalProblem loansCompare
Naft Federal Credit UnionCredit union Pharr, TX93 out of 100, Very strong$162.3M16.4%0.50%vs
Bank of South TexasBank Mcallen, TX86 out of 100, Very strong$174.5M16.6%0.23%vs
Falcon International BankBank Laredo, TX85 out of 100, Very strong$2.2B13.4%0.00%vs
Edinburg Teachers Credit UnionCredit union Edinburg, TX85 out of 100, Very strong$98.0M22.6%0.12%vs
Texas Community BankBank Laredo, TX84 out of 100, Strong$2.2B12.8%0.20%vs
First Community BankBank San Benito, TX81 out of 100, Strong$794.4M10.4%0.01%vs