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 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Total Deposits: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 3.21% below tier average
- - Efficiency ratio 41.44% above tier (higher cost structure)
- - Member decline: -5.1% YoY
- - Net Charge-Off Rate: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,261
-5.1% YoY-1.3% QoQ
|
-364 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
56% |
| Assets |
$73.4M
+1.6% YoY-0.3% QoQ
|
+$43.5M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 10.4% in tier |
| Loans |
$38.1M
-16.9% YoY-3.0% QoQ
|
+$22.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 11.9% in tier |
| Deposits |
$65.1M
+4.9% YoY+0.3% QoQ
|
+$39.6M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 9.1% in tier |
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| ROA |
-2.5%
+30.1% YoY+2.2% QoQ
|
-3.2% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.6% in tier |
| NIM |
2.5%
-15.3% YoY+3.4% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 8.1% in tier |
| Efficiency Ratio |
122.8%
-1.2% YoY-6.1% QoQ
|
+41.4% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 3.9% in tier |
| Delinquency Rate |
0.7%
-50.7% YoY-49.6% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
58.6%
-20.8% YoY-3.3% QoQ
|
-2.7% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$45,656
+0.8% YoY+0.4% QoQ
|
+$31K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 0.6% in tier |
| CD Concentration |
30.9%
+43.4% YoY+1.0% QoQ
|
+6.5% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)