McAllen, Texas · Peer group 4
Highway District 21 Credit Union
Highway District 21 Credit Union holds $51.0M in assets across 3,352 members as of Q1 2026 — about $15K of assets per member, on a charter dating to 1940. Charter number 4148, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $51.0M |
|---|---|
| Total loans | $21.5M |
| Total shares (deposits) | $38.9M |
| Net worth | $11.7M |
| Members | 3,352 |
| Assets per member | $15K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -0.2% | |
|---|---|---|
| Loans | -9.2% | lower than 90% of its peer group |
| Deposits | -2.3% | around the 19th percentile of its peer group |
| Members | -3.5% | around the 23rd percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 55.2% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 22.9% | higher than 97% of its peer group |
| Return on assets | 1.67% | higher than 90% of its peer group |
| Delinquency ratio | 0.81% | around the 63rd percentile of its peer group |
| Cash / assets | 17.0% | around the 82nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Highway District 21 Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Texas — the comparison set a peer ratio is measured against.
- Trans Texas Southwest Credit Union
San Angelo, TX
$50.9M · 2,516 members
- Star Financial Credit Union
Corpus Christi, TX
$50.6M · 2,918 members
- Lubrizol Employees' Credit Union
Deer Park, TX
$50.4M · 3,484 members
- Caprock Santa Fe Credit Union
SLATON, TX
$51.6M · 4,287 members
- Walker County Credit Union
Huntsville, TX
$52.9M · 5,049 members
- Houston Highway Credit Union
Houston, TX
$47.4M · 3,264 members
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