BlastPoint's Credit Union Scorecard
SHELL WESTERN STATES
Charter #5484 · CA
SHELL WESTERN STATES has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.77% below tier average
- - Efficiency ratio 13.43% above tier (higher cost structure)
- - Member decline: -7.9% YoY
- - Member Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,188
-7.9% YoY-1.8% QoQ
|
-488 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
56% |
| Assets |
$69.3M
-6.0% YoY-5.0% QoQ
|
+$39.1M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 12.6% in tier |
| Loans |
$34.3M
-14.4% YoY-2.4% QoQ
|
+$19.0M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
Top 13.6% in tier |
| Deposits |
$61.7M
-4.7% YoY-4.8% QoQ
|
+$35.9M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 11.3% in tier |
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| ROA |
-0.6%
-74.3% YoY-74.6% QoQ
|
-0.8% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 11.8% in tier |
| NIM |
2.9%
+19.3% YoY+12.1% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 14.6% in tier |
| Efficiency Ratio |
104.1%
-24.4% YoY-14.1% QoQ
|
+13.4% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
0.6%
-59.4% YoY+80.4% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
55.6%
-10.2% YoY+2.6% QoQ
|
-2.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$43,869
-0.5% YoY-2.2% QoQ
|
+$29K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 0.8% in tier |
| CD Concentration |
25.2%
-7.1% YoY-15.5% QoQ
|
+0.9% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.0% | 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)