SHELL WESTERN STATES
Charter #5484 | CA
<100M
(2596 CUs)
Micro
($0-$500M)
92 <100M in 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
|
56th in tier |
| 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 |
| 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
|
50th in tier |
| 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
|
46th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
16
Average Member Relationship (AMR)
engagement
Value:
$45,656
Peer Avg: $14,627
#16 of 2596
Top 0.6% in <100M tier
32
Loan-to-Member Ratio (LMR)
engagement
Value:
$16,864
Peer Avg: $5,488
#32 of 2596
Top 1.2% in <100M tier
236
Total Deposits
balance_sheet
Value:
$65.10M
Peer Avg: $25.45M
#236 of 2596
Top 9.1% in <100M tier
271
Total Assets
balance_sheet
Value:
$73.38M
Peer Avg: $29.86M
#271 of 2596
Top 10.4% in <100M tier
308
Total Loans
balance_sheet
Value:
$38.13M
Peer Avg: $15.77M
#308 of 2596
Top 11.8% in <100M tier
633
Deposit Growth Rate
growth
Value:
4.88%
Peer Avg: 16.80%
#633 of 2596
Top 24.3% in <100M tier
Top Weaknesses (9 metrics)
2529
Return on Assets (ROA)
profitability
Value:
-2.53%
Peer Avg: 0.68%
#2529 of 2596
Bottom 2.6% in <100M tier
2495
Efficiency Ratio
profitability
Value:
122.83%
Peer Avg: 81.39%
#2495 of 2596
Bottom 3.9% in <100M tier
2429
Net Charge-Off Rate
risk
Value:
1.84%
Peer Avg: 0.57%
#2429 of 2596
Bottom 6.5% in <100M tier
2386
Net Interest Margin (NIM)
profitability
Value:
2.53%
Peer Avg: 3.93%
#2386 of 2596
Bottom 8.1% in <100M tier
2363
Loan Growth Rate
growth
Value:
-16.94%
Peer Avg: 59.01%
#2363 of 2596
Bottom 9.0% in <100M tier
2186
Share Certificate Concentration (%)
balance_sheet
Value:
30.92%
Peer Avg: 15.37%
#2186 of 2596
Bottom 15.8% in <100M tier
2169
Member Growth Rate
growth
Value:
-5.12%
Peer Avg: 14.92%
#2169 of 2596
Bottom 16.5% in <100M tier
2153
First Mortgage Concentration (%)
balance_sheet
Value:
33.47%
Peer Avg: 14.49%
#2153 of 2596
Bottom 17.1% in <100M tier
2151
Net Worth Ratio
risk
Value:
10.06%
Peer Avg: 16.43%
#2151 of 2596
Bottom 17.2% in <100M tier