Federal credit union · Hickory, North Carolina · NCUA charter #24811
SHUFORD
Health score 86/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $36.7M
- Total assets
- 4,369
- Members
- 13.4%
- Net-worth ratio
SHUFORD scores 86/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $36.7M; members 4,369; net-worth ratio 13.42%; health rank #1,790 of 4,374; healthier than 57th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,790 of 4,374 health · 2025Q4SHUFORD · health 86/100 · $36.7M · 2025Q4
- BOOK 86/100
- CHARTER 13.4%
- NCUSIF 1.12%
- CAMELS 1.43%
- HEALTH $36.7M
- NW 4,369
- DELQ #1,790/4,374
- ROA CHIVAHO
- ASSETS 24811
Call Report peers
SHUFORD in the assets neighbourhood
SHUFORD's $36.7M assets sit next to CHIVAHO ($36.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SHUFORD vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SHUFORD - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24811. See our deposit-insurance coverage note.
SHUFORD: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 93.50% here, 59.80% peer average (+33.70 pp).
- Net Worth Ratio trails the peer set - 13.42% here, 14.86% peer average (-1.44 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SHUFORD in North Carolina
- North Carolina health ordinal: #21 of 57.
- Assets rank #40 of 57 inside North Carolina ($36.7M reported).
- Membership ranks #37 of 57 among North Carolina CUs with a reported count (4,369 members).
In-state ordinals use the live credit_unions table for NC only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SHUFORD: 2025Q4 → 2026Q1
SHUFORD: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.3% from $36.7M (2025Q4) to $36.3M (2026Q1).
- Net-worth ratio shifted +0.42 pp (13.00% → 13.42%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.42% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 86/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 86.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 19.1 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 13.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.42% | -1.44 pp |
| Delinquency Rate | 1.12% | -0.02 pp |
| Return on Assets | 1.43% | +0.73 pp |
| Member Growth | -0.43% | - |
| Loan-to-Share Ratio | 93.50% | +33.70 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.3M | - |
| 2025Q4 | $36.7M | 4,369 |
| 2024Q4 | $34.3M | 4,388 |
| 2023Q4 | $31.6M | 4,415 |
Credit Union Details
- Charter Number
- 24811
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- North Carolina
- City
- Hickory
- Data Quarter
- 2025Q4
Branch Locations (2)
SHUFORD operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Hickory Office (Main Office) | Hickory, NC |
| Granite Falls Branch | Granite Falls, NC |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in North Carolina
Other federally-insured credit unions in North Carolina, closest first by peer group and asset size.
SHUFORD nationwide neighbourhoods
SHUFORD's nationwide photo peers by assets and by health score, excluding North Carolina charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($36.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (86/100 here).
Using this data
- SHUFORD ranks #1,790 of 4,374 nationally on financial health and #21 of 57 in NC -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Mcdowell Cornerstone is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Mcdowell Cornerstone
- Rates and health both vary by institution, not just by state -- see how North Carolina credit unions compare overall before assuming this one is typical. North Carolina state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SHUFORD financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, SHUFORD carries a financial health score of 86/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #1,790 of 4,374; by total assets it ranks #2,682 of 4,374 nationally (same basis as /rankings/largest); and #40 of 57 within North Carolina. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.42% net worth ratio and a 1.12% delinquency rate.
How does SHUFORD compare to other credit unions?
86/100 is SHUFORD's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SHUFORD?
SHUFORD 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 SHUFORD directly for the exact boundaries and application steps.
Is my money safe at SHUFORD?
Federal credit unions like SHUFORD are 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. SHUFORD's net worth ratio of 13.42% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SHUFORD offer compared to banks?
Credit unions like SHUFORD are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SHUFORD directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.