Shuford Federal Credit Union is a federal credit union headquartered in Hickory, North Carolina, in business for about 59 years. At the end of Q2 2026 it reported $36.1M in total assets and $30.5M in member shares and deposits, with 2 offices.
Based on its Q2 2026 filing, Shuford Federal Credit Union scores 75/100, which we describe as strong. That is higher than 52% of 2,479 credit unions with under $100 million in assets. Among 57 credit unions headquartered in North Carolina, it ranks 18th. Its strongest component is problem-loan coverage (89/100; 5.5%), and its lowest is earnings (65/100; 1.14%).
TellerScore · Q2 2026
Scorecard
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 rose 2 points (73 → 75), mostly because the earnings component weakened by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 76 |
| Q4 2024 | 63 |
| Q1 2025 | 59 |
| Q2 2025 | 73 |
| Q3 2025 | 68 |
| Q4 2025 | 73 |
| Q1 2026 | 76 |
| Q2 2026 | 75 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 12.18% |
| Q3 2024 | 12.51% |
| Q4 2024 | 12.56% |
| Q1 2025 | 12.33% |
| Q2 2025 | 12.56% |
| Q3 2025 | 13.09% |
| Q4 2025 | 13.00% |
| Q1 2026 | 13.42% |
| Q2 2026 | 13.71% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.94% |
| Q4 2024 | 2.10% |
| Q1 2025 | 2.10% |
| Q2 2025 | 1.01% |
| Q3 2025 | 1.72% |
| Q4 2025 | 1.12% |
| Q1 2026 | 0.92% |
| Q2 2026 | 0.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.71% |
| Q3 2024 | 1.71% |
| Q4 2024 | 1.53% |
| Q1 2025 | 1.21% |
| Q2 2025 | 1.43% |
| Q3 2025 | 1.47% |
| Q4 2025 | 1.36% |
| Q1 2026 | 1.32% |
| Q2 2026 | 1.14% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 75 | $36.1M | 13.71% | 0.89% | 1.14% | 93.9% |
| Q1 2026 | 76 | $36.3M | 13.42% | 0.92% | 1.32% | 93.2% |
| Q4 2025 | 73 | $36.7M | 13.00% | 1.12% | 1.36% | 93.5% |
| Q3 2025 | 68 | $35.6M | 13.09% | 1.72% | 1.47% | 99.1% |
| Q2 2025 | 73 | $36.1M | 12.56% | 1.01% | 1.43% | 97.0% |
| Q1 2025 | 59 | $35.5M | 12.33% | 2.10% | 1.21% | 99.5% |
| Q4 2024 | 63 | $34.3M | 12.56% | 2.10% | 1.53% | 99.0% |
| Q3 2024 | 76 | $33.6M | 12.51% | 0.94% | 1.71% | 94.8% |
| Q2 2024 | 76 | $33.3M | 12.18% | 0.91% | 1.71% | 88.3% |
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).
Similar-size credit unions in North Carolina
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Oteen V. A. Federal Credit UnionCredit union Asheville, NC | 91 out of 100, Very strong | $34.3M | 13.0% | 0.15% | vs |
| McDowell Cornerstone Credit UnionCredit union Marion, NC | 70 out of 100, Strong | $38.3M | 17.7% | 2.53% | vs |
| First Carolina People'S Credit UnionCredit union Goldsboro, NC | 21 out of 100, Low | $33.3M | 8.6% | 5.79% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| Blue Flame Credit UnionCredit union Charlotte, NC | 62 out of 100, Moderate | $30.3M | 11.0% | 0.19% | vs |
| Emergency Responders Credit UnionCredit union Winston Salem, NC | 57 out of 100, Moderate | $30.2M | 8.1% | 0.84% | vs |
Deposit insurance
Is my money safe at Shuford Federal Credit Union?
Yes. Shuford Federal Credit Union is a federally insured credit union (NCUA charter #24811). 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 3.7% of shares and deposits ($1.1M) 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 13.71%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Shuford Federal Credit Union lists 2 offices in 2 cities. Most locations:
- Granite Falls, NC (1)
- Hickory, NC (1)
Identity & history
Profile
- Legal name
- Shuford Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24811
- RSSD ID
- 974697
- Primary regulator
- NCUA
- Established
- 1967
- Headquarters
- 882 16th St NE, Hickory, NC 28601
- Employees
- 9
Quick answers
Shuford Federal Credit Union: common questions
Is Shuford Federal Credit Union NCUA insured?
Yes. Shuford Federal Credit Union is a federally insured credit union (NCUA charter #24811). 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 Shuford Federal Credit Union's TellerScore?
75 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 Shuford Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Hickory
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Members Credit UnionCredit union Winston Salem, NC | 85 out of 100, Very strong | $477.1M | 14.8% | 0.82% | vs |
| Cs Credit UnionCredit union Catawba, NC | 84 out of 100, Strong | $30.5M | 18.7% | 0.46% | vs |
| Summit Credit UnionCredit union Greensboro, NC | 82 out of 100, Strong | $368.8M | 15.4% | 0.71% | vs |
| Morganton Savings Bank, S.S.B.Bank Morganton, NC | 81 out of 100, Strong | $114.5M | 25.5% | 0.21% | vs |
| Nova Credit UnionCredit union Charlotte, NC | 79 out of 100, Strong | $120.7M | 17.6% | 0.56% | vs |
| First Federal Savings Bank of LincolntonBank Lincolnton, NC | 79 out of 100, Strong | $485.8M | 17.6% | 0.46% | vs |