TellerScore

Headquartered in Hughestown, Pennsylvania, Highway Federal Credit Union is a federal credit union with $35.0M in total assets and $29.3M in member shares and deposits as of Q2 2026. It operates 3 offices across 2 states. Its charter dates back to 1971.

Based on its Q2 2026 filing, Highway Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 138th. Its strongest component is capital cushion (100/100; 18.15%), and its lowest is loan quality (33/100; 2.00%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 18.15%
Loan quality33/100
Loans 60+ days delinquent ÷ total loans: 2.00%
Earnings62/100
Return on assets (annualized): 1.05%
Funding & liquidity100/100
Loans ÷ shares: 42.9% · 14.7% uninsured
Problem-loan coverage92/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 3.96%

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 18 points (93 → 75), mostly because the loan quality component weakened by 39 points.

TellerScore
758696Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202491
Q3 202493
Q4 202496
Q1 202592
Q2 202593
Q3 202588
Q4 202586
Q1 202677
Q2 202675
Net worth ratio
7.00%12.62%18.23%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202416.52%
Q3 202417.46%
Q4 202417.84%
Q1 202517.65%
Q2 202518.04%
Q3 202518.23%
Q4 202517.92%
Q1 202617.98%
Q2 202618.15%
Delinquent loans (60+ days)
0.08%1.04%2.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.29%
Q3 20240.39%
Q4 20240.08%
Q1 20250.97%
Q2 20250.84%
Q3 20251.32%
Q4 20251.56%
Q1 20261.92%
Q2 20262.00%
Return on assets
1.05%1.90%2.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.26%
Q3 20241.60%
Q4 20241.65%
Q1 20252.70%
Q2 20252.74%
Q3 20252.41%
Q4 20252.15%
Q1 20261.26%
Q2 20261.05%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$35.0M18.15%2.00%1.05%42.9%
Q1 202677$35.0M17.98%1.92%1.26%42.8%
Q4 202586$34.5M17.92%1.56%2.15%43.6%
Q3 202588$33.1M18.23%1.32%2.41%47.0%
Q2 202593$32.6M18.04%0.84%2.74%47.5%
Q1 202592$32.0M17.65%0.97%2.70%47.0%
Q4 202496$30.5M17.84%0.08%1.65%51.3%
Q3 202493$30.4M17.46%0.39%1.60%51.2%
Q2 202491$31.1M16.52%0.29%1.26%47.3%

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 ratio18.15%
70th
Problem loans2.00%
21st
Net charge-offs0.28%
40th
Return on assets1.05%
70th
Loans to deposits42.9%
74th
Uninsured deposits14.7%
3rd
Loan-loss reserves0.00%
37th
Texas ratio4.0%
36th

Similar-size credit unions in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Reliance Federal Credit UnionCredit union King of Prussia, PA70 out of 100, Strong$35.3M12.5%1.05%vs
Hazleton School Employees Credit UnionCredit union Hazleton, PA80 out of 100, Strong$35.4M21.8%1.96%vs
Jessop Community Federal Credit UnionCredit union Washington, PA87 out of 100, Very strong$34.1M13.8%0.38%vs
Vasco Federal Credit UnionCredit union Latrobe, PA68 out of 100, Moderate$36.7M11.6%1.23%vs
Lehigh County Employees Federal Credit UnionCredit union Allentown, PA96 out of 100, Very strong$33.1M15.7%0.00%vs
Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA79 out of 100, Strong$37.3M13.7%0.42%vs

Deposit insurance

Is my money safe at Highway Federal Credit Union?

Yes. Highway Federal Credit Union is a federally insured credit union (NCUA charter #20691). 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 14.7% of shares and deposits ($4.3M) 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 18.15%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Highway Federal Credit Union lists 3 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Highway Federal Credit Union
Type
Federal credit union
NCUA charter #
20691
RSSD ID
734181
Primary regulator
NCUA
Established
1971
Headquarters
405 Laurel St, Hughestown, PA 18640
Employees
7

Quick answers

Highway Federal Credit Union: common questions

Is Highway Federal Credit Union NCUA insured?

Yes. Highway Federal Credit Union is a federally insured credit union (NCUA charter #20691). 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 Federal Credit Union's TellerScore?

75 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 Federal Credit Union have?

3 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hughestown

InstitutionScoreAssetsCapitalProblem loansCompare
P & G Mehoopany Employees Federal Credit UnionCredit union Tunkhannock, PA95 out of 100, Very strong$195.3M14.8%0.14%vs
Corner Post Federal Credit UnionCredit union Wilkes Barre, PA92 out of 100, Very strong$99.4M17.7%0.91%vs
Ufcw Community Federal Credit UnionCredit union Wyoming, PA86 out of 100, Very strong$181.4M15.3%1.18%vs
Citymark Federal Credit UnionCredit union Plains, PA86 out of 100, Very strong$152.2M16.2%0.88%vs
The Honesdale National BankBank Honesdale, PA84 out of 100, Strong$1.2B13.7%0.24%vs
PS BankBank Wyalusing, PA83 out of 100, Strong$674.5M11.2%0.10%vs