Side-by-side · Q2 2026 data
Shelter Insurance Federal Credit Union vs Lutheran Federal 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 | Lutheran Federal Credit Union |
|---|---|---|
| TellerScore | 80 (stronger) | 73 |
| Capital cushion | 89 (stronger) | 40 |
| Loan quality | 71 | 100 (stronger) |
| Earnings | 56 | 56 |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 98 | 100 (stronger) |
| Peer percentile | 65th | 47th |
| Total assets | $41.0M | $38.6M |
| Deposits / shares | $35.2M | $35.1M |
| Capital ratio | 13.93% (stronger) | 9.02% |
| Problem loans | 0.86% | 0.00% (stronger) |
| Net charge-offs | 0.14% | -0.07% (stronger) |
| Return on assets | 0.89% | 0.90% (stronger) |
| Loans ÷ deposits | 21.4% (stronger) | 50.7% |
| Uninsured deposits | 3.5% (stronger) | 12.4% |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shelter Insurance Federal Credit Union has the higher TellerScore (80 vs 73). On the 7 directional measures above (where higher or lower is clearly better), Shelter Insurance Federal Credit Union leads on 4 and Lutheran Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.