TellerScore

Headquartered in Columbia, Missouri, Shelter Insurance Federal Credit Union is a federal credit union with $41.0M in total assets and $35.2M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1979.

Based on its Q2 2026 filing, Shelter Insurance Federal Credit Union scores 80/100, which we describe as strong. That is higher than 65% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 17th. Its strongest component is funding & liquidity (100/100; 21% loans-to-deposits, 3% uninsured), and its lowest is earnings (56/100; 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion89/100
Net worth ratio: 13.93%
Loan quality71/100
Loans 60+ days delinquent ÷ total loans: 0.86%
Earnings56/100
Return on assets (annualized): 0.89%
Funding & liquidity100/100
Loans ÷ shares: 21.4% · 3.5% uninsured
Problem-loan coverage98/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.14%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (85 → 80), mostly because the earnings component weakened by 13 points.

TellerScore
808487Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202486
Q3 202487
Q4 202487
Q1 202583
Q2 202585
Q3 202584
Q4 202585
Q1 202680
Q2 202680
Net worth ratio
7.00%10.54%14.09%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202413.19%
Q3 202413.37%
Q4 202413.77%
Q1 202513.37%
Q2 202513.94%
Q3 202513.75%
Q4 202514.09%
Q1 202613.89%
Q2 202613.93%
Delinquent loans (60+ days)
0.16%0.51%0.86%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.20%
Q3 20240.16%
Q4 20240.31%
Q1 20250.56%
Q2 20250.60%
Q3 20250.67%
Q4 20250.68%
Q1 20260.77%
Q2 20260.86%
Return on assets
0.81%1.02%1.23%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.09%
Q3 20241.17%
Q4 20241.16%
Q1 20251.15%
Q2 20251.23%
Q3 20251.17%
Q4 20251.14%
Q1 20260.81%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$41.0M13.93%0.86%0.89%21.4%
Q1 202680$40.3M13.89%0.77%0.81%22.2%
Q4 202585$39.2M14.09%0.68%1.14%24.4%
Q3 202584$39.4M13.75%0.67%1.17%24.2%
Q2 202585$38.1M13.94%0.60%1.23%26.1%
Q1 202583$38.8M13.37%0.56%1.15%26.5%
Q4 202487$36.9M13.77%0.31%1.16%28.7%
Q3 202487$37.2M13.37%0.16%1.17%29.0%
Q2 202486$36.8M13.19%0.20%1.09%29.4%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.93%
47th
Problem loans0.86%
44th
Net charge-offs0.14%
53rd
Return on assets0.89%
63rd
Loans to deposits21.4%
94th
Uninsured deposits3.5%
32nd
Loan-loss reserves0.00%
37th
Texas ratio1.1%
63rd

Similar-size credit unions in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Lutheran Federal Credit UnionCredit union Saint Louis, MO73 out of 100, Strong$38.6M9.0%0.00%vs
Show-Me Credit UnionCredit union Mexico, MO83 out of 100, Strong$43.7M13.2%0.68%vs
Holy Rosary Credit UnionCredit union Kansas City, MO42 out of 100, Below average$45.4M11.8%3.01%vs
Kansas City Credit UnionCredit union Kansas City, MO41 out of 100, Below average$46.4M8.6%2.57%vs
Columbia Credit UnionCredit union Columbia, MO77 out of 100, Strong$34.4M9.9%0.07%vs
De Soto Mo Pac Credit UnionCredit union De Soto, MO58 out of 100, Moderate$30.5M9.7%1.33%vs

Deposit insurance

Is my money safe at Shelter Insurance Federal Credit Union?

Yes. Shelter Insurance Federal Credit Union is a federally insured credit union (NCUA charter #23355). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 3.5% of shares and deposits ($1.2M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 13.93%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Shelter Insurance Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Shelter Insurance Federal Credit Union
Type
Federal credit union
NCUA charter #
23355
RSSD ID
876081
Primary regulator
NCUA
Established
1979
Headquarters
1817 West Broadway, Columbia, MO 65218
Employees
5

Quick answers

Shelter Insurance Federal Credit Union: common questions

Is Shelter Insurance Federal Credit Union NCUA insured?

Yes. Shelter Insurance Federal Credit Union is a federally insured credit union (NCUA charter #23355). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Shelter Insurance Federal Credit Union's TellerScore?

80 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Shelter Insurance Federal Credit Union have?

1 office as of the latest NCUA data.