BlastPoint's Credit Union Scorecard
SHELL WESTERN STATES
Charter #5484 · CA
SHELL WESTERN STATES has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 1.6% in tier
- + Total Deposits: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.07% below tier average
- - Efficiency ratio 38.62% above tier (higher cost structure)
- - Member decline: -4.9% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Loan Growth Rate: Bottom 8.4% in tier
- - Net Interest Margin (NIM): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,228
-4.9% YoY-1.5% QoQ
|
-387 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
56% |
| Assets |
$73.0M
+1.7% YoY-0.5% QoQ
|
+$42.9M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 11.0% in tier |
| Loans |
$35.2M
-16.7% YoY-7.8% QoQ
|
+$19.4M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
Top 13.9% in tier |
| Deposits |
$64.8M
+4.2% YoY-0.4% QoQ
|
+$39.1M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 9.5% in tier |
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| ROA |
-2.4%
+44.8% YoY-3.2% QoQ
|
-3.1% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.5% in tier |
| NIM |
2.6%
-13.4% YoY+1.0% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.0% in tier |
| Efficiency Ratio |
121.2%
+16.9% YoY-1.3% QoQ
|
+38.6% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 3.8% in tier |
| Delinquency Rate |
0.3%
-76.7% YoY-54.8% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
54.2%
-20.1% YoY-7.4% QoQ
|
-6.4% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$44,866
+0.7% YoY-1.7% QoQ
|
+$30K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 0.8% in tier |
| CD Concentration |
29.8%
+21.8% YoY-3.7% QoQ
|
+5.4% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)