Shelter Insurance Federal Credit Union Columbia, Missouri
Shelter Insurance Federal Credit Union is a federal credit union headquartered in Columbia, MO, established in 1979 (NCUA charter 23355), and it is regulated and insured by the NCUA. At Q2 2026 it reported 2,854 members and total assets of $41.0M (up 7.5% from Q2 2025), the 46th largest of 85 credit unions headquartered in Missouri. Its net worth ratio was 13.93% at Q2 2026, in the well capitalized band.
Also written as Shelter Insurance FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 23355
- Headquarters
- Columbia, MO
- Established
- 1979
- Total assets, Q2 2026
- $41.0M
- Assets vs Q2 2025
- +7.5%
- Members, Q2 2026
- 2,854
- Net worth ratio, Q2 2026
- 13.93%
- Latest call report
- Q2 2026, NCUA 5300 · Shelter Insurance Federal Credit Union call report
- Asset rank in state
- 46th of 85 in Missouri
- Routing number
- 281580462
- Branches
- 1
It has 104 fewer members than on June 30, 2025 (-3.5%). Its net worth ratio was down 0.01 percentage points from 13.94% on June 30, 2025. Used vehicle loans are its largest loan category, $5.6M of $7.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.86% matches the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 13.93% net worth ratio is below that band's 14.31% median.
Frequently asked about Shelter Insurance Federal Credit Union
How big is Shelter Insurance Federal Credit Union?
At Q2 2026 it reported total assets of $41.0M and 2,854 members.
Where is Shelter Insurance Federal Credit Union headquartered?
It is headquartered in Columbia, MO, United States.
When was Shelter Insurance Federal Credit Union founded?
It was established in 1979, per NCUA records.
Is Shelter Insurance Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 23355): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Shelter Insurance Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Shelter Insurance Federal Credit Union well capitalized?
Its net worth ratio was 13.93% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Shelter Insurance Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.86% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Shelter Insurance Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 21.37% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Columbia, MO 65218
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 23355
- RSSD ID
- 876081
- Members
- 2,854
- Potential members
- 5,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 13.93% | 14.31% | 47th below |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.99% | 0.72% | 62nd above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.08% | 4.74% | 65th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 2.40% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 61.00% | 79.83% | 85th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.83% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.86% | 0.86% | 50th below |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.22% | 4.70% | 26th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 21.37% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$41.0M total assets against $38.1M; $35.2M total shares and deposits against $32.8M; $7.5M total loans against $8.5M.
$5.7M net worth against $5.3M.
13.93% net worth ratio against 13.94%.
21.37% loan-to-share ratio against 26.08%.
0.86% delinquency ratio against 0.60%.
0.99% return on assets against 1.29%; 7.08% return on equity against 9.29%.
2.40% net interest margin against 2.54%.
2,854 members against 2,958.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 13.93% | 0.99% | 0.86% | 21.37% |
| March 31, 2026 | 13.89% | 0.81% | 0.77% | 22.21% |
| December 31, 2025 | 14.09% | 1.02% | 0.68% | 24.39% |
| September 30, 2025 | 13.75% | 1.14% | 0.67% | 24.24% |
| June 30, 2025 | 13.94% | 1.29% | 0.60% | 26.08% |
| March 31, 2025 | 13.37% | 1.15% | 0.56% | 26.47% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.