SHUFORD
Charter #24811 · Hickory, NC · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.31% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 75th percentile but its structural peers at the 41st — a 34-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 | SHUFORD | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.26M | 75th pct | 41th pct |
| Members | 4,374 | 93th pct | 72th pct |
| Net worth ratio | 13.42% | 48th pct | 61th pct |
| Return on average assets | 1.31% | 80th pct | 79th pct |
| Net interest margin | 4.70% | 84th pct | 70th pct |
| Cost of funds | 1.03% | 60th pct | 39th pct |
| Loan-to-share | 93.15% | 96th pct | 85th pct |
| Delinquency 60+ days | 0.92% | 65th pct | 56th pct |
| Net charge-off ratio | 0.15% | 52th pct | 43th pct |
| Loan growth YoY | -4.68% | 32th pct | 7th pct |
| Share growth YoY | 1.37% | 39th pct | 36th pct |
| Efficiency ratio | 77.40% | 42th pct | 34th pct |
structural peer set hash: 0c07169a05c7b450dcc3fb53b770e916… (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.