TellerScore

Houston Highway Credit Union is a federally insured state-chartered credit union headquartered in Houston, Texas, in business for about 74 years. At the end of Q2 2026 it reported $48.4M in total assets and $42.0M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Houston Highway Credit Union scores 64/100, which we describe as moderate. That is higher than only 28% of 2,479 credit unions with under $100 million in assets. Among 380 credit unions headquartered in Texas, it ranks 261st. Its strongest component is funding & liquidity (100/100; 52% loans-to-deposits, 9% uninsured), and its lowest is earnings (35/100; 0.39%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.92%
Loan quality62/100
Loans 60+ days delinquent ÷ total loans: 1.14%
Earnings35/100
Return on assets (annualized): 0.39%
Funding & liquidity100/100
Loans ÷ shares: 52.1% · 9.4% uninsured
Problem-loan coverage86/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.13%

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 (75 → 64), mostly because the loan quality component weakened by 31 points.

TellerScore
647279Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202464
Q3 202470
Q4 202479
Q1 202575
Q2 202575
Q3 202575
Q4 202579
Q1 202675
Q2 202664
Net worth ratio
7.00%9.07%11.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20248.61%
Q3 20249.00%
Q4 20249.74%
Q1 202510.22%
Q2 202510.51%
Q3 202510.68%
Q4 202510.96%
Q1 202611.14%
Q2 202610.92%
Delinquent loans (60+ days)
0.20%0.67%1.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.47%
Q3 20240.20%
Q4 20240.41%
Q1 20250.34%
Q2 20250.20%
Q3 20250.21%
Q4 20250.27%
Q1 20260.34%
Q2 20261.14%
Return on assets
0.39%1.15%1.92%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.79%
Q4 20241.92%
Q1 20251.07%
Q2 20250.85%
Q3 20250.77%
Q4 20251.26%
Q1 20260.73%
Q2 20260.39%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$48.4M10.92%1.14%0.39%52.1%
Q1 202675$47.4M11.14%0.34%0.73%54.9%
Q4 202579$47.3M10.96%0.27%1.26%56.2%
Q3 202575$45.5M10.68%0.21%0.77%56.5%
Q2 202575$45.6M10.51%0.20%0.85%56.4%
Q1 202575$46.2M10.22%0.34%1.07%57.1%
Q4 202479$47.2M9.74%0.41%1.92%58.3%
Q3 202470$44.0M9.00%0.20%0.79%63.5%
Q2 202464$44.9M8.61%0.47%0.76%65.8%

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 ratio10.92%
23rd
Problem loans1.14%
35th
Net charge-offs0.32%
37th
Return on assets0.39%
36th
Loans to deposits52.1%
60th
Uninsured deposits9.4%
8th
Loan-loss reserves0.00%
37th
Texas ratio7.1%
21st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Star Financial Credit UnionCredit union Corpus Christi, TX70 out of 100, Strong$48.8M11.0%0.40%vs
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Starr County Teachers Federal Credit UnionCredit union Rio Grande City, TX93 out of 100, Very strong$47.4M16.9%0.51%vs
Mountain Star Federal Credit UnionCredit union El Paso, TX83 out of 100, Strong$46.5M18.4%0.70%vs
Trans Texas Southwest Credit UnionCredit union San Angelo, TX77 out of 100, Strong$51.0M13.3%0.54%vs
Lubrizol Employees' Credit UnionCredit union Deer Park, TX86 out of 100, Very strong$51.2M18.8%0.44%vs

Deposit insurance

Is my money safe at Houston Highway Credit Union?

Yes. Houston Highway Credit Union is a federally insured credit union (NCUA charter #67627). 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 9.4% of shares and deposits ($4.0M) 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 10.92%, 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

Houston Highway Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Houston Highway Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67627
RSSD ID
834997
Primary regulator
State + NCUA
Established
1952
Headquarters
PO Box 2248, Houston, TX 77252
Employees
7

Quick answers

Houston Highway Credit Union: common questions

Is Houston Highway Credit Union NCUA insured?

Yes. Houston Highway Credit Union is a federally insured credit union (NCUA charter #67627). 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 Houston Highway Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Houston Highway Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Houston

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Schlumberger Employees Credit UnionCredit union Sugar Land, TX94 out of 100, Very strong$935.8M25.3%0.57%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs