Side-by-side · Q2 2026 data
Shelter Insurance Federal Credit Union vs Columbia Credit Union
Credit union
Shelter Insurance Federal Credit Union
Columbia, Missouri · Under $100 million in assets
Metric by metric
| Measure | Shelter Insurance Federal Credit Union | Columbia Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 77 |
| Capital cushion | 89 (stronger) | 49 |
| Loan quality | 71 | 98 (stronger) |
| Earnings | 56 | 67 (stronger) |
| Funding & liquidity | 100 (stronger) | 95 |
| Problem-loan coverage | 98 | 99 (stronger) |
| Peer percentile | 65th | 57th |
| Total assets | $41.0M | $34.4M |
| Deposits / shares | $35.2M | $30.6M |
| Capital ratio | 13.93% (stronger) | 9.87% |
| Problem loans | 0.86% | 0.07% (stronger) |
| Net charge-offs | 0.14% | 0.02% (stronger) |
| Return on assets | 0.89% | 1.17% (stronger) |
| Loans ÷ deposits | 21.4% (stronger) | 65.0% |
| Uninsured deposits | 3.5% | 2.4% (stronger) |
| Offices | 1 | 4 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shelter Insurance Federal Credit Union has the higher TellerScore (80 vs 77). On the 7 directional measures above (where higher or lower is clearly better), Shelter Insurance Federal Credit Union leads on 3 and Columbia Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.