# HIGHWAY
Hughestown, PA · NCUA charter 20691 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/highway-20691

Who the members are: federal charter, multiple common bond, organized 1971, low-income designated. 2,511 members of 8,000 potential (31.4% of the field); checking penetration 64% (share draft accounts per 100 members); loans per 100 members 71.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.0M |
| Members | 2,511 (1.7% YoY) |
| Full-time staff | 7 |
| Net worth | $6.3M |
| Net worth ratio | 18.0% (p66 of band) |
| ROA (annualized) | 1.26% (p79 of band) |
| Total delinquency | 1.92% (p77 of band) |
| Net charge-offs (annualized) | 0.18% (p63 of band) |
| Loans / shares | 43% (p28 of band) |
| Cash / assets | 34.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.71% (p43 of band) |
| Operating expense / assets | 3.19% (p37 of band) |
| Vehicles % of loans | 54% (p40 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 12% |
| Third-party paper % of net worth | 13% (p91 of band) |
| Vehicle delinquency | 2.03% (p80 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 24% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 19% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 79% |
| Certificates % of member funds | 18% |
| Average share balance | $5,891 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 71% |
| Loans granted per 100 members, annualized | 41% |
| Average loan balance | $6,992 |
| Loans granted, annualized | $3.5M |

## Flags firing in the latest filing

- **margin squeeze** (`earn_nim_squeeze`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | delinquency 2x band |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 1 |  | net worth falling |
| 2017-03 | 3 | charge-offs p90, members leaving |  |
| 2017-06 | 3 | net worth falling | charge-offs p90 |
| 2017-09 | 3 | delinquency rising | net worth falling |
| 2017-12 | 3 | charge-offs p90 | delinquency rising |
| 2018-03 | 1 |  | members leaving, charge-offs p90 |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 2 | assets shrinking, members leaving | delinquency 2x band |
| 2019-06 | 2 | delinquency 2x band | members leaving |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 | net worth falling | assets shrinking, delinquency 2x band |
| 2020-06 | 3 | margin squeeze, delinquency 2x band |  |
| 2020-09 | 1 |  | net worth falling, delinquency 2x band |
| 2020-12 | 1 |  |  |
| 2021-03 | 3 | net worth falling, delinquency 2x band |  |
| 2021-06 | 1 |  | net worth falling, delinquency 2x band |
| 2021-09 | 2 | delinquency 2x band, delinquency rising | margin squeeze |
| 2021-12 | 1 | net worth falling | delinquency 2x band, delinquency rising |
| 2022-03 | 0 |  | net worth falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | delinquency 2x band, delinquency rising |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | delinquency 2x band, delinquency rising |
| 2023-06 | 1 | assets shrinking |  |
| 2023-09 | 0 |  | assets shrinking |
| 2023-12 | 0 |  |  |
| 2024-03 | 1 | delinquency rising |  |
| 2024-06 | 1 | net worth falling | delinquency rising |
| 2024-09 | 0 |  | net worth falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 1 | delinquency rising |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | delinquency 2x band |  |
| 2026-03 | 3 | margin squeeze |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-20 [Jason Aldean Setlists: Essential Info for Songs About Us Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMibkFVX3lxTE1BTlg5enFqU3F2bWhQNjkwUV9TWm9wcURtSy1HV2hLcnowVkVHS3ctdHhwa3VMYkJtbC1tRFNKbUQySldJTFREV3h4djdzQlBCMEZ2RjlEWng5bnEyaTJvSlZpdjdDSGRRWjlKQXJR?oc=5) · Ticketmaster Blog
- 2026-01-29 [F&M Trust announces new hires, promotions - Franklin County Free Press](https://news.google.com/rss/articles/CBMid0FVX3lxTE5hM2FPbGpmek1HRkgxSENoUWFBOVQyUzlRVl84VDY4c0xSeGZJWktkcGNHakEyR0dxMkEtT0JYdkF1TU44TVRwT1pzdXctbEhmcElLWHBlLWlaOVhVNVdBQVNRZ1VqbDUxWmRReTl4cmg2NGVjX1VV?oc=5) · Franklin County Free Press
- 2025-10-27 [Wawa, Mister Car Wash coming to Fifth Street Highway in Berks - Reading Eagle](https://news.google.com/rss/articles/CBMiowFBVV95cUxQNVdHY0dvNVF5aVZzZDFIQXVBV2JrZjRWSk5LODA4ZDRNQVFfckpHMmpYTVVIdi1VUm1qWDFndExsTTlNeHdmN0lLMVNTNFUxajhZbWExcmZVM3BFYkFFcUNKRHFuS0RoQVV5TE9NYlp5cnVTWk9VZGQxUDk3V21IcHNNZlVnVjVRLVZtTVk2aEJ3TWthaUc2amhQaUY0Tl9tT2lZ?oc=5) · Reading Eagle
- 2025-06-04 [FBI Seeks Suspect Who Robbed the Y-12 Federal Credit Union Today - fbi.gov](https://news.google.com/rss/articles/CBMizgFBVV95cUxPTzRhdDEwcWo3SjloN2pzXzhHYktMUS05empNeVQydkxEYmlwSWlrWTkxY3ZhZHlfM2FxdU5XYmF4eEhQLWZUNlBGa3dPUjVGeHhreVo5TW91MmZyTjc5a1lPSnE1dTBibEtnTUxaaS16LW94SEpoaE9kY3Exby13UjQtR3BHMjJsc3VLS1NId3Y4V2tLTml0cWk0QS1PM09sV3Q2czlXaEhJbHUxRXBpOFprd0E1RGZBZHp6SWRUM2cyemNjSnY1MlJDTVpLQQ?oc=5) · fbi.gov
- 2023-05-24 [2 men caught on camera putting skimmer on ATM outside credit union in Folsom, Delaware County - 6abc Philadelphia](https://news.google.com/rss/articles/CBMirwFBVV95cUxPQlo0aGlyRUtaTlhDVmE3WFQwLXVTOUxlQm4tLUNBMGFhRUI5eFB0endZN0dDQnY2TW94ZkZkaE9NRUN1Z3MyNjZEa1J5dU53RmpHR2o2ZWVYWkdEeGRZR2RaOU5RUHRRVjZTbG16dC0zbWNvdVdtblZPZXZKOVFJT0Jxa0RkUmd1SmRybk9zSks0dEN4TFI4c0JndUpIN1pkbnZuTlRoOE1wZlhCNm4w0gG0AUFVX3lxTE82STlKQUJ4WGk0d0o3bWJoX1BvYXNuM2JkXzBzOUo1TzZnajJaQ1RtTE9UZHdnS2lKS0tBZ21DR19TSmQtNHl4TWhmRXZFTG5yVGctOFRRb1ZCZE9GRVhMeGRBMzZRakVxVkFNdXpYd2lrOVdzZjZuWC1VT040XzJBOWFRaHlRTXBtcUpRNi1GU09rZTdjLVduMzFWUHk0ZEpUY1UwbE5qem4yNUp0dUFYT25MYw?oc=5) · 6abc Philadelphia
- 2023-04-12 [Bayer Heritage Federal Credit Union Operations Office Opens - tylerstarnews.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxQekswTl84OTZ3MTVWcl9fZGdla0I0ZTJhVFVxS1p2bG5kQVVsSWY4bHRJdWdOZlJ3UGtqM19Va2xiajI0REwtR3BrRTZfdndFdzJHY1dFSEpNZnljWVBJa3MxUElaS0RFVjYydVE2ZktIWFR2M1JtSmx6bmY5NWFHRWZBYXU0ZktWQ2hLNDcwd0NmVTJtc3RHME1Hb3B6TjAzQTZZekl4ZEdUQQ?oc=5) · tylerstarnews.com
- 2025-07-16 [Major CT credit union opens new branch. Officials say it has ‘state-of-the-art banking amenities’ - Hartford Courant](https://news.google.com/rss/articles/CBMiygFBVV95cUxNMkUta2c2alRsVm51ZWk0aS13Y0dobkhSVmRPemVkSEJjSmhBOC1RNUVjUHNWV3VkSVVXdjVKajdJUnNvOW0tVG1PcVBqbUdxdTFiZFoyOElGcU43WUo3bWJxc1dNWC1aS3pSQXJpX2lCaFVLT19LUHpIMjNtYlJMdl9uUW0ydWo1ekVCazVJbkRJNFNId2d2bno2VkJIaU1ESzFjcVpLRldWTFI4M1k0Nk51UDZ1WkFfLTJrV1pMdkNvVlhwQkh3RXJR?oc=5) · Hartford Courant
- 2025-03-17 [Ribbon Cutting Held For New Credit Union Branch In Cantonment - NorthEscambia.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxOSWVLOVlJSlhlT19VbnMyUGpLMDdmaHRzUU1ZZlRnY2RQMmhpQ2VHdUlCZndNOGJVM3NwMUZ3MHRqeTVibVVkQVRJX3lnWWdldG9rQmNvOEhBSktrYTM3ZUFnZ3NKdDAtWHJZUU5Tc0NvNGhJc2pYSnRMTnRObTQxeEdyenIxLTBLUlNUMHd6dXg1dw?oc=5) · NorthEscambia.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=20691 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/19.json (key "20691", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=20691
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide