District One Highway Credit Union
Total assets
$30.4M
▼ -0.5% YoY
Shares & deposits
$24.6M
▼ -2.1% YoY
Loans
$6.7M
▲ +10.9% YoY
Members
2,059
▼ -3.8% YoY
ROA (annualized)
1.18%
peers 0.60%
ROE (annualized)
6.34%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.5% | +1.3% | -1.8 pts |
| Share growth (YoY) | -2.1% | +0.7% | -2.7 pts |
| Loan growth (YoY) | +10.9% | -2.4% | +13.3 pts |
| ROA | 1.18% | 0.60% | +0.6 pts |
| ROE | 6.3% | 4.1% | +2.2 pts |
ROA ranks in the 75th percentile of its peer group · Q1 2026
Profile
- Established
- 1954
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 3011 N Belt Hwy Ste B, Saint Joseph, MO, 64506
- NCUA charter #
- 63420
- RSSD ID
- 160799
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $30.4M | $24.6M | $6.7M | $5.6M | $89K | 1.18% | 2.38% | 0.00% | 2,059 |
| Q4 2025 | $30.1M | $24.4M | $6.9M | $5.5M | $339K | 1.13% | 2.32% | 0.00% | 2,091 |
| Q3 2025 | $30.4M | $24.8M | $7.3M | $5.4M | $246K | 1.08% | 2.23% | 0.00% | 2,123 |
| Q2 2025 | $30.3M | $24.9M | $5.9M | $5.3M | $145K | 0.96% | 2.14% | 0.00% | 2,121 |
| Q1 2025 | $30.5M | $25.2M | $6.1M | $5.3M | $63K | 0.83% | 2.04% | 0.00% | 2,141 |
| Q4 2024 | $31.7M | $26.3M | $6.2M | $5.2M | $238K | 0.75% | 1.81% | 0.00% | 2,165 |
| Q3 2024 | $31.7M | $26.5M | $6.5M | $5.1M | $173K | 0.73% | 1.77% | 0.11% | 2,124 |
| Q2 2024 | $32.0M | $26.8M | $6.4M | $5.0M | $80K | 0.50% | 1.58% | 0.15% | 2,128 |
Loan mix (Q1 2026): real estate $447K · commercial $0 · consumer $5.3M · securities $20.0M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.18% | 0.60% | 75th | |
Return on equity Annualized net income ÷ equity or net worth | 6.3% | 4.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.38% | 3.83% | 7th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.4% | 81.5% | 8th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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