Shelter Insurance

Columbia, MO · 1 · Charter #23355 · www.shelterfcu.com
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
$39.2M
89th percentile
Members
2,915
83th percentile
Total loans
$8.2M
59th percentile
Total shares
$33.6M
89th percentile

Profitability

Return on assets
1.13%
65th percentile
Net interest margin
2.48%
8th percentile
Efficiency ratio
33.11%
96th percentile
Non-interest income ratio
1.95%
19th percentile

Capital & Risk

Net worth ratio
14.09%
45th percentile
Delinquency rate
0.68%
51th percentile
Net charge-off rate
0.20%
51th percentile
Loan-to-share
24.39%
8th percentile

Growth

Member growth YoY
-2.21%
41th percentile
Asset growth YoY
6.34%
81th percentile
Loan growth YoY
-9.94%
24th percentile
Share growth YoY
5.99%
80th percentile

Operations

Members / branch
2,915
91th percentile
Assets / member
$13,447
79th percentile
Field of membership penetration
58.30%
75th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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