Shelter Insurance
Columbia, MO · Charter 23355 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$41.0MAssets
$7.5MLoans
$35.2MShares
$5.7MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 84% of credit unions under $1B in assets (rank 263 of 1682).
- Widest gap: net interest margin trails 97% of credit unions under $1B in assets (rank 1638 of 1683).
- Overall: at or above the peer median on 5 of 7 directional measures.
Return on Assets
0.89%
Rank 691 of 1,683
Net Interest Margin
2.33%
Rank 1,638 of 1,683
Efficiency Ratio
63.88%
Rank 263 of 1,682
Equity / Assets
13.93%
Rank 685 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.35% | 0.74% | 1.18% | Beats 59% | 691 / 1,683 | |
| Return on Equity | 6.41% | 2.67% | 5.89% | 8.74% | Beats 55% | 754 / 1,681 | |
| Net Interest Margin | 2.33% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,638 / 1,683 | |
| Efficiency Ratio | 63.88% | 68.91% | 78.20% | 86.93% | Beats 84% | 263 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.86% | 0.26% | 0.65% | 1.29% | Beats 40% | 1,009 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.93% | 10.44% | 12.89% | 16.53% | Beats 59% | 685 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.93% | 10.44% | 12.89% | 16.53% | Beats 59% | 685 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 21.37% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,645 / 1,683 | |
| Loans / Assets | 18.38% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,642 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |