Credit Union Safety Analysis
Is Shelter Insurance Federal Credit Union Safe? Columbia, Missouri
Based on its Q2 2026 NCUA 5300 call report, Shelter Insurance Federal Credit Union has a net worth ratio of 13.93%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.86%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Shelter Insurance Federal Credit Union's net worth ratio is 13.93%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.93%
- Delinquency ratio (60+ days) (Q2 2026): 0.86%
- Return on assets (Q2 2026): 0.99%
- Loan-to-share ratio (Q2 2026): 21.37%
Shelter Insurance Federal Credit Union (NCUA charter 23355, established 1979) reported $41.0M in assets and 2,854 members for Q2 2026 from Columbia, Missouri. It ranks 46 of 85 credit unions in Missouri by total assets. Total assets grew 7.5% from $38.1M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 13.89% for Q1 2026; 13.94% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.77% for Q1 2026; 0.60% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.81% for Q1 2026; 1.29% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 22.21% for Q1 2026; 26.08% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $5.6M
- New vehicle loans: $1.6M
- Other unsecured loans and lines of credit: $175K
- Other secured non-real estate loans and lines of credit: $126K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $41.0M | 13.93% | 0.86% | 0.99% | 21.37% |
| March 31, 2026 | $40.3M | 13.89% | 0.77% | 0.81% | 22.21% |
| December 31, 2025 | $39.2M | 14.09% | 0.68% | 1.02% | 24.39% |
| September 30, 2025 | $39.4M | 13.75% | 0.67% | 1.14% | 24.24% |
| June 30, 2025 | $38.1M | 13.94% | 0.60% | 1.29% | 26.08% |
| March 31, 2025 | $38.8M | 13.37% | 0.56% | 1.15% | 26.47% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Shelter Insurance Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 23355) · FFIEC NIC profile (RSSD 876081)
Frequently asked questions
Is Shelter Insurance Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Shelter Insurance Federal Credit Union's net worth ratio is 13.93%, above the 7% NCUA threshold for well capitalized.
Is Shelter Insurance Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Shelter Insurance Federal Credit Union is a federally insured credit union (NCUA charter 23355): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Shelter Insurance Federal Credit Union's key safety ratios?
For Q2 2026, Shelter Insurance Federal Credit Union reports net worth 13.93%, delinquency 0.86%, ROA 0.99%, loan-to-share 21.37%.
What happens to my money if Shelter Insurance Federal Credit Union fails?
For Q2 2026, Shelter Insurance Federal Credit Union held $35.2M in shares and deposits for 2,854 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.