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
Call Report peers
SHUFORD in the assets neighbourhood
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
SHUFORD sits in the busiest band, 85-89, alongside 857 other credit unions.
86 Top 43% higher than 57% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in North Carolina, Mcdowell Cornerstone (#20) ties at 86/100; one place down, ACCLAIM (#22) scores 85/100, 1 point lower.
SHUFORD: 2025Q4 → 2026Q1
SHUFORD: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.3% from $36.7M (2025Q4) to $36.3M (2026Q1).
- Net-worth ratio shifted +0.42 pp (13.00% → 13.42%).
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
SHUFORD gives up 14 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Return on Assets score full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SHUFORD financially healthy?
SHUFORD has a financial health score of 86/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,790 of 4,374 nationally on health and #21 of 57 in North Carolina. Its net worth ratio is 13.42% and its delinquency rate 1.12%.
How does SHUFORD compare to other credit unions?
SHUFORD scores 86/100, higher than 57% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (93.50% vs 59.80%). Its widest shortfall is net worth ratio (13.42% vs 14.86%).
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?
SHUFORD 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. SHUFORD's net worth ratio of 13.42% 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.