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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#367 of 4,374 health · 2025Q4SHELL · health 95/100 · $1.96B · 2025Q4
- NCUSIF 95/100
- CAMELS 13.2%
- HEALTH 0.96%
- NW 1.20%
- DELQ $1.96B
- ROA 162,417
- ASSETS #367/4,374
- MEM Indiana University
- RANK 1941
Call Report peers
SHELL in the assets neighbourhood
SHELL's $1.96B assets sit next to Indiana University ($1.97B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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 - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #1941. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SHELL: 2025Q4 → 2026Q1
SHELL: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.2% from $1.96B (2025Q4) to $2.03B (2026Q1).
- Net-worth ratio shifted -0.10 pp (13.26% → 13.16%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
SHELL's nationwide photo peers by assets and by health score, excluding Texas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($1.96B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SHELL financially healthy?
SHELL has a financial health score of 95/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #367 of 4,374; by total assets it ranks #265 of 4,374 nationally (same basis as /rankings/largest); and #19 of 386 within Texas. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.16% and delinquency rate of 0.96%.
How does SHELL compare to other credit unions?
Five weighted metrics from NCUA filings produce SHELL's 95/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like SHELL are 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."
What rates does SHELL offer compared to banks?
Credit unions like SHELL are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SHELL directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.