District One Highway

SAINT JOSEPH, MO · 2 · Charter #63420 · www.district1hwycu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$30.1M
77th percentile
Members
2,091
68th percentile
Total loans
$6.9M
54th percentile
Total shares
$24.4M
76th percentile

Profitability

Return on assets
1.12%
65th percentile
Net interest margin
2.32%
7th percentile
Efficiency ratio
39.33%
93th percentile
Non-interest income ratio
4.56%
32th percentile

Capital & Risk

Net worth ratio
18.40%
68th percentile
Delinquency rate
0.00%
100th percentile
Net charge-off rate
-0.02%
93th percentile
Loan-to-share
28.27%
10th percentile

Growth

Member growth YoY
-3.42%
29th percentile
Asset growth YoY
-5.00%
16th percentile
Loan growth YoY
12.10%
92th percentile
Share growth YoY
-7.28%
14th percentile

Operations

Members / branch
2,091
79th percentile
Assets / member
$14,395
83th percentile
Field of membership penetration
54.06%
71th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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