BlastPoint's Credit Union Scorecard

SHELL

Charter #1941 · TX

Mid-Market 1B-3B

Shell FCU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Shell FCU is one of 101 credit unions in the 2026 VentureTech card set. We also found Shell FCU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET
VENTURETECH EDITION
Shell FCU
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300 CUs in 1B-3B nationally 27 in TX
View Mid-Market leaderboard →

SHELL has 5 strengths but faces 1 concern

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 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
WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

  1. 1 CLEAR Your card arrived By email from Collier at BlastPoint
  2. 2 YOU ARE HERE Open your pack Right here on your Scorecard
  3. 3 BOSS LEVEL Grab the real pack At the BlastPoint booth
  4. 4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report
ADMIT ONE · PLAYER 1
Your printed pack
Where
The BlastPoint booth, Omni Fort Worth
Expo hall
Mon Nov 16 and Tue Nov 17
Pick a time to meet

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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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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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

growth
#2 of 113 • Top 19.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.25%
(Tier: 3.16%, National: 15.67%)
better than tier avg
Return on Assets: 1.41%
(Tier: 0.84%, National: 1.23%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.08%, National: 7.71%)
better than tier avg
113 of 377 Mid-Market CUs have this signature | 490 nationally
↓ Shrinking -131 CUs YoY | Rank improving

Organic Growth Leader

growth
#27 of 112 • Top 19.9% in tier

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

Why This Signature
Member Growth (YoY): 5.25%
(Tier: 3.16%, National: 15.67%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.08%, National: 7.71%)
better than tier avg
112 of 377 Mid-Market CUs have this signature | 485 nationally
↓ Shrinking -20 CUs YoY | Rank improving

Concerns (0)

No concerns identified

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)

Comparing against 300 peers in tier

Top Strengths (9 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 14.26%
#1 of 300 Top 0.1% in 1B-3B tier
14
Net Interest Margin (NIM)
profitability
Value: 4.54%
Peer Median: 3.46%
#14 of 300 Top 4.3% in 1B-3B tier
22
Total Members
engagement
Value: 165,469
Peer Median: 86,516
#22 of 300 Top 7.0% in 1B-3B tier
32
Return on Assets (ROA)
profitability
Value: 1.41%
Peer Median: 0.77%
#32 of 300 Top 10.3% in 1B-3B tier
53
Member Growth Rate
growth
Value: 5.25%
Peer Median: 1.84%
#53 of 300 Top 17.3% in 1B-3B tier
54
Fee Income Per Member
profitability
Value: $281.59
Peer Median: $204.73
#54 of 300 Top 17.7% in 1B-3B tier
56
Net Worth Ratio
risk
Value: 13.39%
Peer Median: 10.91%
#56 of 300 Top 18.3% in 1B-3B tier
69
Deposit Growth Rate
growth
Value: 8.38%
Peer Median: 4.79%
#69 of 300 Top 22.7% in 1B-3B tier
75
Total Loans
balance_sheet
Value: $1.56B
Peer Median: $1.14B
#75 of 300 Top 24.7% in 1B-3B tier

Top Weaknesses (3 metrics)

283
Average Member Relationship (AMR)
engagement
Value: $20,028
Peer Median: $28,089
#283 of 300 Bottom 6.0% in 1B-3B tier
270
Net Charge-Off Rate
risk
Value: 1.06%
Peer Median: 0.52%
#270 of 300 Bottom 10.3% in 1B-3B tier
267
Loan-to-Member Ratio (LMR)
engagement
Value: $9,455
Peer Median: $12,809
#267 of 300 Bottom 11.3% in 1B-3B tier
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