BlastPoint's Credit Union Scorecard
SHELL
Charter #1941 · TX
SHELL has 6 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does TX stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.9% in tier
- + Organic Growth Leader: Top 19.9% in tier
- + ROA 0.59% above tier average
- + Net Interest Margin 1.11% above tier average
- + Strong member growth: 5.3% YoY
- + Total Members: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 27 that size in Texas.
- Shares and deposits +8.4% year over year ($1.75B in shares and deposits).
- Membership: 165,469 members, +5.3% vs a year ago.
- Delinquency rate 0.71%.
- Return on assets 1.41%.
- Efficiency ratio 68.61% vs a 73.02% peer average.
- Loan-to-share ratio 89.42% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165,469
+5.3% YoY+0.1% QoQ
|
+68.6K |
96,861
-1.9% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
Top 7.3% in tier |
| Assets |
$2.1B
+7.6% YoY+1.3% QoQ
|
+$327.4M |
$1.7B
+0.4% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
68% |
| Loans |
$1.6B
+7.2% YoY+1.8% QoQ
|
+$330.2M |
$1.2B
+0.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$1.7B
+8.4% YoY+1.0% QoQ
|
+$286.2M |
$1.5B
+0.5% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
70% |
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| ROA |
1.4%
+5.8% YoY+14.5% QoQ
|
+0.6% |
0.8%
+27.6% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Top 10.7% in tier |
| NIM |
4.5%
-2.0% YoY+3.1% QoQ
|
+1.1% |
3.4%
+6.6% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
68.6%
-3.9% YoY-0.8% QoQ
|
-4.4% |
73.0%
-2.7% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.7%
-15.0% YoY-10.2% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
89.4%
-1.1% YoY+0.7% QoQ
|
+4.7% |
84.7%
+0.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
58% |
| AMR |
$20,028
+2.4% YoY+1.3% QoQ
|
$-10K |
$29,575
+1.5% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.7% in tier |
| CD Concentration |
30.2%
+10.9% YoY+1.9% QoQ
|
+1.1% | 29.1% | 21.6% | 20.0% | 56% |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 6.9% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
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)