SHELL

Charter #1941 | TX

1B-3B (304 CUs) Mid-Market (380 CUs)
26 1B-3B in TX

SHELL has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 0.7% in tier
  • + Organic Growth Leader: Top 12.0% in tier
  • + ROA 0.45% above tier average
  • + Net Interest Margin 1.37% above tier average
  • + Strong member growth: 5.1% YoY
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Members: Top 9.2% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 21.5% in tier
  • - Credit Quality Pressure: Bottom 22.2% in tier
  • - Shrinking Wallet Share: Bottom 23.1% in tier
  • - Growth-at-Risk: Bottom 26.1% in tier
  • - Liquidity Strain: Bottom 29.8% in tier
  • - Delinquency rate 0.08% above tier average
  • - Average Member Relationship (AMR): Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (TX) National Avg Tier Percentile
Members 160,102
+5.1% YoY+1.8% QoQ
 +61.4K 98,678
-1.9% YoY
 26,896
+3.7% YoY
 33,089
+6.1% YoY
 Top 9.5% in tier
Assets $1.9B
+3.6% YoY-0.0% QoQ
 +$186.7M $1.7B
+0.5% YoY
 $411.3M
+5.9% YoY
 $547.7M
+7.8% YoY
 66th in tier
Loans $1.5B
+3.1% YoY+2.4% QoQ
 +$261.7M $1.2B
+0.5% YoY
 $295.8M
+5.3% YoY
 $388.7M
+8.6% YoY
 73rd in tier
Deposits $1.6B
+4.1% YoY+0.6% QoQ
 +$169.8M $1.5B
+1.3% YoY
 $341.5M
+6.1% YoY
 $464.6M
+9.3% YoY
 66th in tier
ROA 1.2%
+9.9% YoY-12.9% QoQ
 +0.5% 0.7%
+13.4% YoY
 0.5%
-24.0% YoY
 0.7%
+273.4% YoY
 Top 13.2% in tier
NIM 4.6%
+7.0% YoY+0.1% QoQ
 +1.4% 3.3%
+9.3% YoY
 3.9%
+4.3% YoY
 3.7%
+5.0% YoY
 Top 2.0% in tier
Efficiency Ratio 71.4%
+0.0% YoY-0.0% QoQ
 -2.6% 74.0%
-10.9% YoY
 79.6%
-0.9% YoY
 79.1%
-3.3% YoY
 36th in tier
Delinquency Rate 0.9%
+5.0% YoY+8.2% QoQ
 +0.1 0.8%
+6.1% YoY
 1.2%
+20.3% YoY
 1.2%
-0.9% YoY
 70th in tier
Loan To Share 92.0%
-0.9% YoY+1.8% QoQ
 +6.8% 85.2%
-0.8% YoY
 71.8%
-2.5% YoY
 68.0%
-1.7% YoY
 63rd in tier
AMR $19,480
-1.4% YoY-0.4% QoQ
 $-10K $29,172
+2.8% YoY
 $17,515
+1.3% YoY
 $19,418
+1.3% YoY
 Bottom 5.9% in tier
CD Concentration 29.4%
+6.1% YoY+8.1% QoQ
 +0.4% 29.0%
+0.8% YoY
 20.9%
+7.1% YoY
 19.6%
+6.2% YoY
 54th in tier
Indirect Auto % 0.0% -18.8% 18.8%
-2.8% YoY
 7.2%
-0.2% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#6 of 246 • Top 0.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 5.09%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY

Organic Growth Leader

growth
#48 of 138 • Top 12.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 5.09%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Liquidity Overhang

risk
#70 of 113 • Bottom 21.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.26%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 92.03%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank improving

Credit Quality Pressure

risk
#171 of 217 • Bottom 22.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 CUs YoY

Shrinking Wallet Share

decline
#71 of 83 • Bottom 23.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -1.39%
(Tier: 3.04%, National: 4.19%)
worse than tier avg
83 of 380 Mid-Market CUs have this signature | 346 nationally
↓ Shrinking -55 CUs YoY | Rank worsening

Growth-at-Risk

risk
#146 of 161 • Bottom 26.1% in tier

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

Why This Signature
Loan Growth (YoY): 3.12%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.07% points, National: 0.07% points)
but better than tier avg
161 of 380 Mid-Market CUs have this signature | 646 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Liquidity Strain

risk
#157 of 183 • Bottom 29.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 92.03%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 3.12%
(Tier: 6.14%, National: 36.38%)
worse than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 18.32%
#1 of 304 Top 0.0% in 1B-3B tier
6
Net Interest Margin (NIM)
profitability
Value: 4.63%
Peer Avg: 3.26%
#6 of 304 Top 1.6% in 1B-3B tier
29
Total Members
engagement
Value: 160,102
Peer Avg: 98,678
#29 of 304 Top 9.2% in 1B-3B tier
40
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Avg: 0.70%
#40 of 304 Top 12.8% in 1B-3B tier
47
Fee Income Per Member
profitability
Value: $276.19
Peer Avg: $210.52
#47 of 304 Top 15.1% in 1B-3B tier
49
Net Worth Ratio
risk
Value: 13.26%
Peer Avg: 11.44%
#49 of 304 Top 15.8% in 1B-3B tier
57
Member Growth Rate
growth
Value: 5.09%
Peer Avg: 2.20%
#57 of 304 Top 18.4% in 1B-3B tier

Top Weaknesses (4 metrics)

286
Average Member Relationship (AMR)
engagement
Value: $19,480
Peer Avg: $29,172
#286 of 304 Bottom 6.2% in 1B-3B tier
262
Loan-to-Member Ratio (LMR)
engagement
Value: $9,336
Peer Avg: $13,213
#262 of 304 Bottom 14.1% in 1B-3B tier
247
AMR Growth Rate
growth
Value: -1.39%
Peer Avg: 3.29%
#247 of 304 Bottom 19.1% in 1B-3B tier
243
Net Charge-Off Rate
risk
Value: 0.90%
Peer Avg: 0.60%
#243 of 304 Bottom 20.4% in 1B-3B tier