Shuford Federal Credit Union
Total assets
$36.3M
▲ +2.1% YoY
Shares & deposits
$30.7M
▲ +4.7% YoY
Loans
$28.6M
▼ -2.0% YoY
Members
4,374
▼ -1.6% YoY
ROA (annualized)
1.32%
peers 0.60%
ROE (annualized)
9.83%
peers 4.10%
Peer comparison 2,508 credit unions with <100M in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.1% | +1.3% | +0.8 pts |
| Share growth (YoY) | +4.7% | +0.7% | +4.1 pts |
| Loan growth (YoY) | -2.0% | -2.4% | +0.4 pts |
| ROA | 1.32% | 0.60% | +0.7 pts |
| ROE | 9.8% | 4.1% | +5.7 pts |
ROA ranks in the 80th percentile of its peer group · Q1 2026
Profile
- Established
- 1967
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 3
- Address
- 882 16Th St Ne, Hickory, NC, 28601
- NCUA charter #
- 24811
- RSSD ID
- 974697
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $36.3M | $30.7M | $28.6M | $4.9M | $120K | 1.32% | 4.73% | 0.92% | 4,374 |
| Q4 2025 | $36.7M | $31.2M | $29.2M | $4.8M | $501K | 1.36% | 4.97% | 1.12% | 4,369 |
| Q3 2025 | $35.6M | $30.2M | $30.0M | $4.7M | $393K | 1.47% | 5.16% | 1.72% | 4,463 |
| Q2 2025 | $36.1M | $30.9M | $29.9M | $4.5M | $258K | 1.43% | 5.11% | 1.01% | 4,501 |
| Q1 2025 | $35.5M | $29.3M | $29.1M | $4.4M | $108K | 1.21% | 4.90% | 2.10% | 4,447 |
| Q4 2024 | $34.3M | $27.8M | $27.5M | $4.3M | $525K | 1.53% | 5.15% | 2.10% | 4,388 |
| Q3 2024 | $33.6M | $28.0M | $26.6M | $4.2M | $431K | 1.71% | 5.21% | 0.94% | 4,456 |
| Q2 2024 | $33.3M | $28.6M | $25.3M | $4.1M | $285K | 1.71% | 5.18% | 0.91% | 4,493 |
Loan mix (Q1 2026): real estate $16.9M · commercial $917K · consumer $10.1M · securities $2.2M
Ratio pack Q1 2026 · peer medians from 2508 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.60% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 4.1% | 84th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.73% | 3.83% | 83th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 77.4% | 81.5% | 40th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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