Federal credit union · Martinez, California · NCUA charter #5484
Shell Western States
Health score 66/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 66
- Health / 100
- $73.0M
- Total assets
- 2,228
- Members
- 9.8%
- Net-worth ratio
Shell Western States scores 66/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $73.0M; members 2,228; net-worth ratio 9.84%; health rank #3,830 of 4,374; healthier than 12th of scored peers.
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NCUA 5300 Call Report Masthead
#3,830 of 4,374 health · 2025Q4Shell Western States · health 66/100 · $73.0M · 2025Q4
Call Report peers
Shell Western States in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shell Western States vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shell Western States sits in 65-69 with 275 others.
66 12th percentile higher than 12% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Where Shell Western States diverges from peer averages
- Delinquency Rate leads the peer set - 0.31% here, 0.96% peer average (-0.65 pp).
- Widest shortfall vs peers is Loan-to-Share Ratio: -8.36 pp (54.24% vs 62.60%).
Shell Western States in California
- California health ordinal: #222 of 243.
- By total assets, Shell Western States is #171 of 243 in California.
- Member book place in California: #196 of 243.
- One place up in California, Center City Community (#221) scores 67/100, 1 point higher; one place down, Glendale Area Schools (#223) scores 65/100, 1 point lower.
Quarter path for Shell Western States
Shell Western States: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -5.0% from $73.0M (2025Q4) to $69.3M (2026Q1).
- Net-worth ratio shifted +0.35 pp (9.49% → 9.84%).
This credit union's 9.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 66/100 score is built
Shell Western States gives up 34 points in total. Return on Assets costs the most, 15 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 0.0 pts
- Member Growth 0.1 pts
- Loan-to-Share Ratio 11.3 pts
Shell Western States health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.84% | -3.78 pp |
| Delinquency Rate | 0.31% | -0.65 pp |
| Return on Assets | -1.67% | -2.32 pp |
| Member Growth | -4.95% | - |
| Loan-to-Share Ratio | 54.24% | -8.36 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Shell Western States quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $69.3M | - |
| 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
Branch Location
Per its most recent NCUA branch filing, Shell Western States runs one office.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Martinez, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Other-state peers near Shell Western States
Using this data
- Shell Western States ranks #3,830 of 4,374 nationally on financial health and #222 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- POLAM is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with POLAM
Frequently Asked Questions
Is Shell Western States financially healthy?
Shell Western States has a financial health score of 66/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,830 of 4,374 nationally on health and #222 of 243 in California. Its net worth ratio is 9.84% and its delinquency rate 0.31%.
How does Shell Western States compare to other credit unions?
Shell Western States scores 66/100, higher than 12% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is delinquency rate (0.31% vs 0.96%). Its widest shortfall is loan-to-share ratio (54.24% vs 62.60%).
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?
Shell Western States 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 Western States's net worth ratio of 9.84% 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.