BlastPoint's Credit Union Scorecard

SHELL

Charter #1941 · TX

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 28 in TX

View Mid-Market leaderboard →

SHELL has 6 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

TX Analysis

How does TX stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 17.6% in tier
+ Organic Growth Leader: Top 17.6% in tier
+ ROA 0.51% above tier average
+ Net Interest Margin 1.05% above tier average
+ Strong member growth: 5.8% YoY
+ Total Members: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 32.9% in tier
- Credit Quality Pressure: Bottom 56.6% in tier
- Average Member Relationship (AMR): Bottom 5.9% in tier
- Net Charge-Off Rate: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TX)	National Avg	Tier Percentile
Members	165,292 +5.8% YoY+1.8% QoQ	+69.2K	96,048 -2.7% YoY	29,039 +7.4% YoY	33,913 +5.7% YoY	Top 6.5% in tier
Assets	$2.0B +8.3% YoY+3.2% QoQ	+$306.5M	$1.7B +0.4% YoY	$450.8M +10.3% YoY	$578.3M +9.0% YoY	68%
Loans	$1.5B +8.4% YoY+1.2% QoQ	+$323.6M	$1.2B +0.2% YoY	$318.1M +8.9% YoY	$402.4M +8.7% YoY	76%
Deposits	$1.7B +9.0% YoY+3.5% QoQ	+$266.5M	$1.5B +0.5% YoY	$378.7M +10.8% YoY	$494.3M +9.1% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% +40.1% YoY-1.6% QoQ	+0.5%	0.7% +27.6% YoY	-0.2% -134.7% YoY	0.4% -39.2% YoY	Top 14.4% in tier
NIM	4.4% -3.3% YoY-5.5% QoQ	+1.0%	3.4% +6.2% YoY	3.9% -0.7% YoY	3.8% +4.1% YoY	Top 5.2% in tier
Efficiency Ratio	69.2% -9.4% YoY-0.1% QoQ	-5.5%	74.6% -3.0% YoY	98.7% +20.4% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.8% +1.2% YoY-17.6% QoQ	+0.0	0.8% +6.9% YoY	1.2% +13.1% YoY	1.2% +3.4% YoY	66%
Loan To Share	88.8% -0.6% YoY-2.2% QoQ	+5.6%	83.2% -0.4% YoY	69.5% -2.6% YoY	65.6% -1.4% YoY	60%
AMR	$19,779 +2.8% YoY+0.6% QoQ	$-10K	$29,652 +2.3% YoY	$17,820 +2.9% YoY	$19,920 +1.6% YoY	Bottom 5.6% in tier
CD Concentration	29.6% +15.1% YoY-0.4% QoQ	+0.8%	28.8%	21.3%	19.8%	55%
Indirect Auto %	0.0%	-18.1%	18.1%	6.9%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#4 of 115 • Top 17.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.75%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 1.23%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Organic Growth Leader

growth

#29 of 116 • Top 17.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.75%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk

#145 of 183 • Bottom 32.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.38%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#215 of 225 • Bottom 56.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.01% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 306 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 13.86%

#1 of 306 Top 0.1% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.40%

Peer Median: 3.37%

#16 of 306 Top 4.9% in 1B-3B tier

Total Members

engagement

Value: 165,292

Peer Median: 85,918

#20 of 306 Top 6.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $283.10

Peer Median: $191.54

#39 of 306 Top 12.4% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: 0.66%

#44 of 306 Top 14.1% in 1B-3B tier

Member Growth Rate

growth

Value: 5.75%

Peer Median: 2.03%

#51 of 306 Top 16.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.03%

Peer Median: 4.44%

#54 of 306 Top 17.3% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.16%

Peer Median: 10.85%

#58 of 306 Top 18.6% in 1B-3B tier

Asset Growth Rate

growth

Value: 8.27%

Peer Median: 4.82%

#70 of 306 Top 22.5% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.54B

Peer Median: $1.11B

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (3 metrics)

289

Average Member Relationship (AMR)

engagement

Value: $19,779

Peer Median: $28,178

#289 of 306 Bottom 5.9% in 1B-3B tier

278

Net Charge-Off Rate

risk

Value: 1.12%

Peer Median: 0.51%

#278 of 306 Bottom 9.5% in 1B-3B tier

269

Loan-to-Member Ratio (LMR)

engagement

Value: $9,301

Peer Median: $12,733

#269 of 306 Bottom 12.4% in 1B-3B tier