Federal credit union · Martinez, California · NCUA charter #5484
Shell Western States
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $73.0M
- Total assets
- 2,228
- Members
- 9.5%
- Net-worth ratio
Shell Western States - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #5484. See our deposit-insurance coverage note.
Shell Western States - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)96
- Asset quality (delinquency)100
- Earnings (ROA)0
- Member growth1
- Liquidity (loan-to-share)76
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.49% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.49% | 30% |
| Delinquency Rate | 0.31% | 25% |
| Return on Assets | -1.67% | 15% |
| Member Growth | -4.95% | 15% |
| Loan-to-Share Ratio | 54.24% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $73.0M | 2,228 |
| 2024Q4 | $71.8M | 2,344 |
| 2023Q4 | $79.2M | 2,719 |
Credit Union Details
- Charter Number
- 5484
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- California
- City
- Martinez
- Data Quarter
- 2025Q4
What This Data Says About Shell Western States
Charter #5484, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Shell Western States, a federal credit union in Martinez, California with 2,228 members, $73.0M in total assets, and $35.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 9.49% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
0.31% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running tighter than peers. Deposit deployment is captured by the 54.24% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at -1.67% on net income of $-1216861 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.95%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Shell Western States financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Shell Western States carries a financial health score of 65/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 9.49% net worth ratio and a 0.31% delinquency rate.
How does Shell Western States compare to other credit unions?
Shell Western States scores 65/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and 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 Western States?
Shell Western States 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 Western States directly for the exact boundaries and application steps.
Is my money safe at Shell Western States?
Federal credit unions like Shell Western States 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 Western States's net worth ratio of 9.49% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shell Western States offer compared to banks?
Credit unions like Shell Western States 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 Western States directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.