PackageTrendsPeer
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Shelter Insurance

Columbia, MO · Charter 23355

NCUA · 1 branch

Q2 2026

$41.0MAssets
$7.5MLoans
$35.2MShares
$5.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.89%, down 34 bps year over year; NIM at 2.33%.
  • Asset quality: problem loans at 0.86% of loans (+27 bps YoY).
  • Capital: net worth / assets of 13.93%, down 1 bps from a year ago.
  • Funding: loans stand at 21.37% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.89%-34 bps YoY

Net Interest Margin (quarter, annualized)

2.33%-21 bps YoY

Efficiency Ratio (quarter, annualized)

63.88%+848 bps YoY

Net Worth / Assets

13.93%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.23%1.17%1.14%0.81%0.89%-34 bps
Return on Equity8.83%8.54%8.10%5.82%6.40%-243 bps
Net Interest Margin2.53%2.44%2.48%2.29%2.33%-21 bps
Efficiency Ratio55.40%55.64%56.00%66.94%63.88%+848 bps
Growth
Asset Growth (YoY)3.59%5.96%6.34%3.99%7.49%+390 bps
Loan Growth (YoY)-8.95%-11.85%-9.94%-13.22%-11.86%-291 bps
Share Growth (YoY)2.65%5.43%5.99%3.43%7.56%+491 bps
Asset Quality
Delinquent Loans / Loans0.60%0.67%0.68%0.77%0.86%+27 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.94%13.75%14.09%13.89%13.93%-1 bps
Net Worth / Assets13.94%13.75%14.09%13.89%13.93%-1 bps
Liquidity & Funding
Loans / Shares26.08%24.24%24.39%22.21%21.37%-471 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps