Federal credit union · Columbia, Missouri · NCUA charter #23355
Shelter Insurance
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $39.2M
- Total assets
- 2,915
- Members
- 13.9%
- Net-worth ratio
Shelter Insurance scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $39.2M; members 2,915; net-worth ratio 13.89%; health rank #2,570 of 4,374; healthier than 39th of scored peers.
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NCUA 5300 Call Report Masthead
#2,570 of 4,374 health · 2025Q4Shelter Insurance · health 81/100 · $39.2M · 2025Q4
Call Report peers
Shelter Insurance in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shelter Insurance vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shelter Insurance sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Shelter Insurance vs $10M–$50M peers
- Delinquency Rate leads the peer set - 0.68% here, 1.15% peer average (-0.47 pp).
- Loan-to-Share Ratio trails the peer set - 24.39% here, 59.80% peer average (-35.41 pp).
Where Shelter Insurance sits in Missouri
- In Missouri, health place is #53 of 89 on the same NCUA-ratio sort used nationally.
- Missouri assets place: #46 of 89.
- Membership ranks #51 of 89 among Missouri CUs with a reported count (2,915 members).
- One place up in Missouri, District One Highway (#52) ties at 81/100; one place down, Civic Central (#54) ties at 81/100.
Quarter path for Shelter Insurance
Shelter Insurance: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +2.9% from $39.2M (2025Q4) to $40.3M (2026Q1).
- Net-worth ratio shifted -0.20 pp (14.09% → 13.89%).
13.89% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 81/100 score is built
Shelter Insurance gives up 19 points in total. Member Growth costs the most, 10 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.2 pts
- Return on Assets 15.0 pts
- Member Growth 5.0 pts
- Loan-to-Share Ratio 7.8 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.89% | -0.97 pp |
| Delinquency Rate | 0.68% | -0.47 pp |
| Return on Assets | 1.09% | +0.39 pp |
| Member Growth | -2.21% | - |
| Loan-to-Share Ratio | 24.39% | -35.41 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.3M | - |
| 2025Q4 | $39.2M | 2,915 |
| 2024Q4 | $36.9M | 2,981 |
| 2023Q4 | $35.3M | 3,006 |
Credit Union Details
- Charter Number
- 23355
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Missouri
- City
- Columbia
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Shelter Insurance runs one office.
| Office | City |
|---|---|
| Shelter Credit Union (Main Office) | Columbia, MO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Missouri
A look at other Missouri credit unions, ranked by how closely their peer group and asset size match this one.
Shelter Insurance nationwide neighbourhoods
Similar total assets
Using this data
- Shelter Insurance ranks #2,570 of 4,374 nationally on financial health and #53 of 89 in MO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- SHOW-ME is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with SHOW-ME
Frequently Asked Questions
Is Shelter Insurance financially healthy?
Shelter Insurance has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,570 of 4,374 nationally on health and #53 of 89 in Missouri. Its net worth ratio is 13.89% and its delinquency rate 0.68%.
How does Shelter Insurance compare to other credit unions?
Shelter Insurance scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.68% vs 1.15%). Its widest shortfall is loan-to-share ratio (24.39% vs 59.80%).
How can I join Shelter Insurance?
Shelter Insurance operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Shelter Insurance directly for the exact boundaries and application steps.
Is my money safe at Shelter Insurance?
Shelter Insurance is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Shelter Insurance's net worth ratio of 13.89% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.