Federal credit union · Deer Park, Texas · NCUA charter #1941
SHELL
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $1.96B
- Total assets
- 162,417
- Members
- 13.2%
- Net-worth ratio
SHELL scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.96B; members 162,417; net-worth ratio 13.16%; health rank #367 of 4,374; healthier than 90th of scored peers.
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NCUA 5300 Call Report Masthead
#367 of 4,374 health · 2025Q4SHELL · health 95/100 · $1.96B · 2025Q4
Call Report peers
SHELL in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SHELL vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SHELL sits in 95-99 with 391 others.
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SHELL vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.89 pp (90.79% vs 83.90%).
- Largest lag: Delinquency Rate at 0.96% vs peer 0.87% (+0.09 pp).
Texas standing for SHELL
- Texas health ordinal: #33 of 386.
- Assets rank #19 of 386 inside Texas ($1.96B reported).
- Membership ranks #14 of 386 among Texas CUs with a reported count (162,417 members).
- One place up in Texas, Goodyear San Angelo (#32) ties at 95/100; one place down, EASTEX (#34) ties at 95/100.
SHELL: 2025Q4 → 2026Q1
SHELL: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.2% from $1.96B (2025Q4) to $2.03B (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.26% → 13.16%).
At 13.16%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 95/100 score is built
SHELL gives up 5 points in total. Delinquency Rate costs the most, 4.6 of its 25; Net Worth Ratio and Return on Assets and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.4 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.16% | +1.98 pp |
| Delinquency Rate | 0.96% | +0.09 pp |
| Return on Assets | 1.20% | +0.69 pp |
| Member Growth | 5.45% | - |
| Loan-to-Share Ratio | 90.79% | +6.89 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Call Report history - SHELL
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.03B | - |
| 2025Q4 | $1.96B | 162,417 |
| 2024Q4 | $1.81B | 154,029 |
| 2023Q4 | $1.83B | 146,525 |
Credit Union Details
- Charter Number
- 1941
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- Texas
- City
- Deer Park
- Data Quarter
- 2025Q4
Branch Locations (15)
SHELL operates 15 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Deer Park - Corporate Office (Main Office) | Deer Park, TX |
| Baytown | Baytown, TX |
| Cypress | Cypress, TX |
| Deer Park | Deer Park, TX |
| Pearland | Houston, TX |
| Bay Area | Houston, TX |
| Woodforest | Houston, TX |
| West Orem | Houston, TX |
| Wilson | Humble, TX |
| Katy | Katy, TX |
| La Porte | La Porte, TX |
| Fairmont | Pasadena, TX |
| Southmore | Pasadena, TX |
| Spring | Spring, TX |
| Tomball | Tomball, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- SHELL ranks #367 of 4,374 nationally on financial health and #33 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Trust is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Trust
Frequently Asked Questions
Is SHELL financially healthy?
On its 2025Q4 NCUA 5300 filing, SHELL scores 95/100 (Excellent), with a 13.16% net worth ratio and 0.96% of loans delinquent. It ranks #367 of 4,374 nationally on health and #33 of 386 in Texas.
How does SHELL compare to other credit unions?
SHELL scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.79% vs 83.90%). Its widest shortfall is delinquency rate (0.96% vs 0.87%).
How can I join SHELL?
SHELL 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 SHELL directly for the exact boundaries and application steps.
Is my money safe at SHELL?
SHELL 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. SHELL's net worth ratio of 13.16% 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.