# SHELTER INSURANCE
Columbia, MO · NCUA charter 23355 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/shelter-insurance-23355

Who the members are: federal charter, service (single sponsor), organized 1979, low-income designated. 2,887 members of 5,000 potential (57.7% of the field); checking penetration 39% (share draft accounts per 100 members); loans per 100 members 19.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $40.3M |
| Members | 2,887 (-2.7% YoY) |
| Full-time staff | 4 |
| Net worth | $5.6M |
| Net worth ratio | 13.9% (p43 of band) |
| ROA (annualized) | 0.81% (p61 of band) |
| Total delinquency | 0.77% (p55 of band) |
| Net charge-offs (annualized) | 0.00% (p37 of band) |
| Loans / shares | 22% (p7 of band) |
| Cash / assets | 56.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 2.29% (p6 of band) |
| Operating expense / assets | 1.58% (p6 of band) |
| Vehicles % of loans | 96% (p99 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.71% (p58 of band) |
| Vehicle NCO | 0.00% (p35 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 0% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 2% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 100% |
| Certificates % of member funds | 0% |
| Average share balance | $6,436 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 19% |
| Loans granted per 100 members, annualized | 6% |
| Average loan balance | $14,223 |
| Loans granted, annualized | $2.7M |

## Flags firing in the latest filing

- **loan book shrinking** (`shrink_loans`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | losing money, auto monoline |  |
| 2016-06 | 1 |  | losing money |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | members leaving |  |
| 2017-06 | 1 |  | members leaving |
| 2017-09 | 1 |  |  |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 3 | members leaving |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 2 |  | delinquency rising |
| 2019-03 | 4 | delinquency rising, assets shrinking |  |
| 2019-06 | 3 |  | assets shrinking |
| 2019-09 | 3 |  |  |
| 2019-12 | 1 |  | members leaving, delinquency rising |
| 2020-03 | 1 |  |  |
| 2020-06 | 2 | net worth falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 3 | delinquency rising |  |
| 2021-03 | 4 | margin squeeze |  |
| 2021-06 | 5 | delinquency 2x band |  |
| 2021-09 | 3 |  | delinquency rising, delinquency 2x band |
| 2021-12 | 4 | losing money, delinquency 2x band, loan book shrinking | net worth falling, margin squeeze |
| 2022-03 | 4 | members leaving | delinquency 2x band |
| 2022-06 | 3 | delinquency 2x band | losing money, loan book shrinking |
| 2022-09 | 3 | delinquency rising | members leaving |
| 2022-12 | 2 |  | delinquency rising |
| 2023-03 | 4 | delinquency rising, assets shrinking |  |
| 2023-06 | 2 |  | delinquency 2x band, delinquency rising |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | assets shrinking |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | delinquency rising |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | loan book shrinking |  |
| 2025-12 | 2 |  | loan book shrinking |
| 2026-03 | 2 | loan book shrinking | delinquency rising |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-08-26 [Multipli Credit Union Enhances its Elite Partnership with Mizzou Athletics - Learfield](https://news.google.com/rss/articles/CBMirgFBVV95cUxPaWZkaUVSOHl3QXAwSzV2Wm1Ndms4UHczbURaRS1SVUZFQWIzbk1EYU5sTVFBekoyT1JDb2J2T3l2Q0Fpd0Q5bGpkTFFaMzViei1TcE1IUGNVd2dIUkNlRjl0ZUM2UnFlWkphYXY1VmJjOUcwakc3TzVmR3VjSDlTbE9JTTFwa1dtU2MwakszYjA1Q2FSMV9lZlhjUHJQS0tVNE5Ta0x2cHYyMGlkSEE?oc=5) · Learfield
- 2025-02-15 [Obituary information for Teresa Dawn Braun - Millard Family Chapels](https://news.google.com/rss/articles/CBMihgFBVV95cUxNbm0wb0JicUIzanlBdzZvb2M5S014blQ1QmNlSXM5Nno1NTdKUGVqS05EZEprX0VmNWpNckFydDlWUGg4YlB1dGhqWmc0U204cG1BVzl2ZnY0NUxEcGZtNExTaEc4Z2x5bTV4cFpySTllSjJ1bkZGdlU3TjQyaVlMM3VKajRQUQ?oc=5) · Millard Family Chapels
- 2015-10-03 [TOP DRAWER - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxPTVY0MTZCZ25lUzhZUHlVSWdtN1drTTVzZUw3R1Zybm1aWWpvQ1BPMG5sRVZlcXVCZmhLSlhuMGU3RGIzOURnLWZwU09TS19wLXpsNXlINk1YOWxUb2JYYzNZSDkxMjRRNEJTUjJKaXZ5WWNpcW93aUpVRWhyOTZSVFhremNweHU5emFacVNJZ3NxeEJJdWluVQ?oc=5) · Columbia Daily Tribune
- 2025-09-08 [Mid-Mo Small College Career Fair to feature 80-plus employers - connected.ccis.edu](https://news.google.com/rss/articles/CBMiuAFBVV95cUxOem1wYkVOOWNKeFc0M3JoSjVwQTAyR25rXzJ3M0h5eHU0V3YyWFFBaHhMVnh4TTIyazNnckJBNVE1SjhSbnVTeURETkxOQjFMSHpVd0J5d1ZmMHVVTTJhYW1temRhaVpoaENCVE5ETW1TM213THI5NUZuQ054ZV95ZUdrUGIzM21RQTV1bkc5TTBQNGwyN1BfWDQwUXljQ1JQdzRjR3Y2MEl0Y0hJY3I1SGdhSklqM0lv?oc=5) · connected.ccis.edu
- 2026-01-07 [The Ultimate Guide To NCAA College Football Team Field Sponsors - Zoomph](https://news.google.com/rss/articles/CBMic0FVX3lxTE1hb05WSFhEU0JLOXlhLUxqckhTbzlyajFld2JjUUx1bDZZaUQzUmVIZ09OTUw1NVREMUc3ZWQ3ckZSQ1lyazZzNjVrN243MDh2N3hCLXNhMGpMUDFWRkpQeVZHc1lHWmhLS2RQaXJ1R1BtY1U?oc=5) · Zoomph
- 2023-02-12 [Vernon Jennings Obituary - Columbia, MO - Dignity Memorial](https://news.google.com/rss/articles/CBMihgFBVV95cUxNRUZLdEJjSDYya2pES1RXUkR3QklZemxxODFMM1J6bEh0akEtWlY0X1FoVUdsTEQzeHpoUURYNnVpNXlPS09hNXJ6eXlzdVI5aGwwOTZGdkNMOEpxcHIwZXFsRHZGUGFCOUNhVFFsSkRETmNtd05VSS1MUkpvSVl2TTFpenhldw?oc=5) · Dignity Memorial
- 2015-06-15 [Inside Bulloch Business with DeWayne Grice - Credit union's future excites new CORE leader - Statesboro Herald](https://news.google.com/rss/articles/CBMixgFBVV95cUxPdXJnV2g5MS1yazRJZkNvQUtKQlA4Y0NRRUk1eTlfdE4tNm5tQWVxS09lWkNFNUE2cE9wblJuNjVWaG9lX09OcFZZOHZ4Q3BncWd1bUszNVhjOVBkRUxHVnRfX1pMZUdHRExfZlRSNV91UzZMd183aEZCRnhENmdMYWRqZVk1NFdCQVBUOV9TZkZOb0E2N0FpZW9nT1UwX0E1SGF3VTNDakhtY3hUZUQ5ZlBJOTRQS2E3MlpNczZkWGoyX1lCZUE?oc=5) · Statesboro Herald
- 2014-01-18 [TOP DRAWER - Columbia Daily Tribune](https://news.google.com/rss/articles/CBMimAFBVV95cUxQd0kyRTZYem5fS3hJRTU0Nm5xcEsxekpnT3pxbzdGQk42Tlo5TWgxZWd5ZGFlekowMVNIYWRjNHM5UzdsbC1oaUplbUx3M0lhQzlIR0FHTm9udkF3d2tpc1FjU3ZQVWdfWTRmRXByVU1KS0VFdmtXOWxfeWdRdmRNR0IxZzlOQktVQ2ZYRW0zQ2xRYVd1cnBtdg?oc=5) · Columbia Daily Tribune

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=23355 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/59.json (key "23355", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=23355
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide