BlastPoint's Credit Union Scorecard
SHELL WESTERN STATES
Charter #5484 · CA
SHELL WESTERN STATES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.37% below tier average
- - Efficiency ratio 15.84% above tier (higher cost structure)
- - Member decline: -6.8% YoY
- - Asset Growth Rate: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 6.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 85 that size in California.
- Shares and deposits -10.2% year over year ($58.3M in shares and deposits).
- Membership: 2,136 members, -6.8% vs a year ago.
- Delinquency rate 0.52%.
- Return on assets 0.12%.
- Efficiency ratio 104.60% vs a 88.77% peer average.
- Loan-to-share ratio 57.01% vs a 58.89% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,136
-6.8% YoY-2.4% QoQ
|
-449 |
2,585
-1.7% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$66.0M
-10.4% YoY-4.9% QoQ
|
+$35.7M |
$30.3M
+1.5% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
Top 14.1% in tier |
| Loans |
$33.2M
-15.4% YoY-3.1% QoQ
|
+$17.8M |
$15.5M
-1.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
Top 14.6% in tier |
| Deposits |
$58.3M
-10.2% YoY-5.4% QoQ
|
+$32.5M |
$25.8M
+1.1% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Top 13.2% in tier |
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| ROA |
0.1%
-104.9% YoY-119.7% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.8% in tier |
| NIM |
3.0%
+23.9% YoY+6.0% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
104.6%
-20.1% YoY+0.5% QoQ
|
+15.8% |
88.8%
-6.9% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.8% in tier |
| Delinquency Rate |
0.5%
-61.7% YoY-7.0% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
57.0%
-5.8% YoY+2.5% QoQ
|
-1.9% |
58.9%
-3.1% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$42,870
-5.8% YoY-2.3% QoQ
|
+$28K |
$14,963
-6.8% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
Top 0.8% in tier |
| CD Concentration |
21.3%
-30.5% YoY-15.4% QoQ
|
-3.3% | 24.6% | 22.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.2% | 7.7% | 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)