TellerScore

Headquartered in Waco, Texas, Highway District 9 Credit Union is a federally insured state-chartered credit union with $4.2M in total assets and $3.1M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1953.

Based on its Q2 2026 filing, Highway District 9 Credit Union scores 86/100, which we describe as very strong. That is higher than 80% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 70th. Its strongest component is capital cushion (100/100; 26.36%), and its lowest is earnings (53/100; 0.84%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 26.36%
Loan quality83/100
Loans 60+ days delinquent ÷ total loans: 0.51%
Earnings53/100
Return on assets (annualized): 0.84%
Funding & liquidity100/100
Loans ÷ shares: 59.0% · 0.2% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.83%

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 11 points (97 → 86), mostly because the earnings component weakened by 47 points.

TellerScore
628097Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202462
Q4 202465
Q1 202579
Q2 202597
Q3 202595
Q4 202594
Q1 202691
Q2 202686
Net worth ratio
7.00%16.84%26.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202423.73%
Q3 202424.80%
Q4 202425.21%
Q1 202525.75%
Q2 202526.14%
Q3 202526.30%
Q4 202526.68%
Q1 202626.15%
Q2 202626.36%
Delinquent loans (60+ days)
0.00%1.73%3.46%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.99%
Q3 20243.10%
Q4 20243.46%
Q1 20251.36%
Q2 20250.36%
Q3 20250.23%
Q4 20250.18%
Q1 20260.00%
Q2 20260.51%
Return on assets
0.52%1.28%2.04%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.52%
Q4 20240.86%
Q1 20250.80%
Q2 20252.04%
Q3 20251.65%
Q4 20251.48%
Q1 20260.96%
Q2 20260.84%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202686$4.2M26.36%0.51%0.84%59.0%
Q1 202691$4.2M26.15%0.00%0.96%60.9%
Q4 202594$4.1M26.68%0.18%1.48%64.6%
Q3 202595$4.1M26.30%0.23%1.65%58.7%
Q2 202597$4.1M26.14%0.36%2.04%56.9%
Q1 202579$4.0M25.75%1.36%0.80%55.5%
Q4 202465$4.1M25.21%3.46%0.86%57.0%
Q3 202462$4.2M24.80%3.10%0.52%54.5%
Q2 202472$4.4M23.73%1.99%0.59%50.6%

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 ratio26.36%
91st
Problem loans0.51%
58th
Net charge-offs0.00%
77th
Return on assets0.84%
59th
Loans to deposits59.0%
50th
Uninsured deposits0.2%
61st
Loan-loss reserves0.19%
74th
Texas ratio0.8%
69th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Intercorp Credit UnionCredit union Amarillo, TX60 out of 100, Moderate$4.2M18.6%2.86%vs
Oak Farms Employees Credit UnionCredit union Houston, TX50 out of 100, Below average$4.2M26.8%3.19%vs
Covenant Savings Federal Credit UnionCredit union Killeen, TX72 out of 100, Strong$4.2M12.5%1.69%vs
Thd District 17 Credit UnionCredit union Bryan, TX63 out of 100, Moderate$4.3M19.6%2.42%vs
Belton Federal Credit UnionCredit union Belton, TX51 out of 100, Below average$4.3M14.3%4.41%vs
Midwestern State University Credit UnionCredit union Wichita Falls, TX76 out of 100, Strong$4.3M16.3%0.47%vs

Deposit insurance

Is my money safe at Highway District 9 Credit Union?

Yes. Highway District 9 Credit Union is a federally insured credit union (NCUA charter #67469). 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 0.2% of shares and deposits ($6K) 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 26.36%, 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 9 Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway District 9 Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67469
RSSD ID
830793
Primary regulator
State + NCUA
Established
1953
Headquarters
2417 Columbus Ave, Waco, TX 76701
Employees
2

Quick answers

Highway District 9 Credit Union: common questions

Is Highway District 9 Credit Union NCUA insured?

Yes. Highway District 9 Credit Union is a federally insured credit union (NCUA charter #67469). 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 9 Credit Union's TellerScore?

86 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 9 Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Waco

InstitutionScoreAssetsCapitalProblem loansCompare
Educators Credit UnionCredit union Waco, TX99 out of 100, Very strong$609.5M20.3%0.17%vs
Genco Federal Credit UnionCredit union Waco, TX96 out of 100, Very strong$494.7M14.3%0.19%vs
Matagorda County Credit UnionCredit union Bay City, TX94 out of 100, Very strong$36.2M17.4%0.31%vs
Acadiana Medical Federal Credit UnionCredit union Lafayette, LA92 out of 100, Very strong$13.5M25.5%0.00%vs
The First National Bank of MoodyBank Moody, TX92 out of 100, Very strong$54.2M18.3%0.00%vs
Community Bank & Trust, Waco, TexasBank Waco, TX90 out of 100, Very strong$649.1M15.5%0.21%vs