TellerScore

Highway Employees Credit Union is a federally insured state-chartered credit union headquartered in Tyler, Texas, in business for about 67 years. At the end of Q2 2026 it reported $1.8M in total assets and $1.2M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Highway Employees Credit Union scores 81/100, which we describe as strong. That is higher than 68% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 119th. Its strongest component is capital cushion (100/100; 29.19%), and its lowest is earnings (11/100; -0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 29.19%
Loan quality99/100
Loans 60+ days delinquent ÷ total loans: 0.04%
Earnings11/100
Return on assets (annualized): -0.22%
Funding & liquidity95/100
Loans ÷ shares: 65.1% · 0.0% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.07%

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 7 points (88 → 81), mostly because the earnings component weakened by 68 points.

TellerScore
667889Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202485
Q4 202483
Q1 202587
Q2 202588
Q3 202589
Q4 202586
Q1 202682
Q2 202681
Net worth ratio
7.00%18.10%29.19%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202427.72%
Q3 202426.39%
Q4 202426.63%
Q1 202526.25%
Q2 202527.84%
Q3 202527.44%
Q4 202527.40%
Q1 202628.76%
Q2 202629.19%
Delinquent loans (60+ days)
0.00%1.01%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.02%
Q3 20240.25%
Q4 20240.50%
Q1 20250.31%
Q2 20250.53%
Q3 20250.36%
Q4 20250.39%
Q1 20260.00%
Q2 20260.04%
Return on assets
-0.22%0.63%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.70%
Q3 20240.98%
Q4 20240.95%
Q1 20251.05%
Q2 20251.48%
Q3 20251.20%
Q4 20250.74%
Q1 2026-0.19%
Q2 2026-0.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.8M29.19%0.04%-0.22%65.1%
Q1 202682$1.8M28.76%0.00%-0.19%61.0%
Q4 202586$1.9M27.40%0.39%0.74%67.4%
Q3 202589$1.9M27.44%0.36%1.20%73.6%
Q2 202588$1.8M27.84%0.53%1.48%84.2%
Q1 202587$1.9M26.25%0.31%1.05%81.3%
Q4 202483$1.9M26.63%0.50%0.95%86.6%
Q3 202485$1.9M26.39%0.25%0.98%89.4%
Q2 202466$1.8M27.72%2.02%0.70%99.1%

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 ratio29.19%
93rd
Problem loans0.04%
84th
Net charge-offs0.00%
77th
Return on assets-0.22%
14th
Loans to deposits65.1%
41st
Uninsured deposits0.0%
81st
Loan-loss reserves0.33%
75th
Texas ratio0.1%
85th

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
American Baptist Association Credit UnionCredit union Angleton, TX60 out of 100, Moderate$1.8M8.4%0.00%vs
St. Luke'S Community Federal Credit UnionCredit union Houston, TX53 out of 100, Below average$1.9M11.7%3.03%vs
Salt Employees Federal Credit UnionCredit union Grand Saline, TX77 out of 100, Strong$1.5M44.7%0.00%vs
W T N M Atlantic Federal Credit UnionCredit union Denver City, TX63 out of 100, Moderate$2.1M21.2%6.76%vs
Brentwood Baptist Church Federal Credit UnionCredit union Houston, TX35 out of 100, Low$1.3M7.8%2.21%vs
Faith CooperativeCredit union Dallas, TX68 out of 100, Moderate$2.3M27.5%4.50%vs

Deposit insurance

Is my money safe at Highway Employees Credit Union?

Yes. Highway Employees Credit Union is a federally insured credit union (NCUA charter #67474). 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 0.0% of shares and deposits ($0) 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 29.19%, 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 Employees Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67474
RSSD ID
414399
Primary regulator
State + NCUA
Established
1959
Headquarters
PO Box 4571, Tyler, TX 75712
Employees
2

Quick answers

Highway Employees Credit Union: common questions

Is Highway Employees Credit Union NCUA insured?

Yes. Highway Employees Credit Union is a federally insured credit union (NCUA charter #67474). 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 Employees Credit Union's TellerScore?

81 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 Employees Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tyler

InstitutionScoreAssetsCapitalProblem loansCompare
First State Bank of Ben Wheeler, TexasBank Ben Wheeler, TX95 out of 100, Very strong$185.1M15.7%0.07%vs
East Texas Professional Credit UnionCredit union Longview, TX90 out of 100, Very strong$1.4B19.4%0.41%vs
Austin Bank, Texas National AssociationBank Jacksonville, TX88 out of 100, Very strong$3.3B15.1%0.60%vs
The First National Bank of WinnsboroBank Winnsboro, TX86 out of 100, Very strong$158.2M22.7%1.10%vs
Citizens 1st BankBank Tyler, TX83 out of 100, Strong$811.0M20.5%0.53%vs
Keystone Credit UnionCredit union Tyler, TX80 out of 100, Strong$40.2M27.4%0.68%vs