SHELTER INSURANCE
Charter #23355 · Columbia, MO · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.33% sits at the 5th percentile of structural peers — worth a closer look.
- Cost of funds of 2.05% sits at the 95th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 84th percentile but its structural peers at the 67th — a 16-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SHELTER INSURANCE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $40.34M | 84th pct | 67th pct |
| Members | 2,887 | 72th pct | 57th pct |
| Net worth ratio | 13.89% | 52th pct | 49th pct |
| Return on average assets | 0.82% | 59th pct | 44th pct |
| Net interest margin | 2.33% | 4th pct | 5th pct |
| Cost of funds | 2.05% | 91th pct | 95th pct |
| Loan-to-share | 22.21% | 4th pct | 5th pct |
| Delinquency 60+ days | 0.77% | 60th pct | 56th pct |
| Net charge-off ratio | 0.00% | 23th pct | 15th pct |
| Loan growth YoY | -6.38% | 21th pct | 34th pct |
| Share growth YoY | 2.18% | 47th pct | 49th pct |
| Efficiency ratio | 66.94% | 20th pct | 36th pct |
structural peer set hash: ab5c57ed3a939ed5a0071dcd66332b0b… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.