Shell Western States

Martinez, CA · 1 · Charter #5484 · www.swsfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$73.0M
24th percentile
Members
2,228
1th percentile
Total loans
$35.2M
21th percentile
Total shares
$64.8M
28th percentile

Profitability

Return on assets
-0.59%
2th percentile
Net interest margin
2.57%
7th percentile
Efficiency ratio
78.84%
8th percentile
Non-interest income ratio
4.94%
4th percentile

Capital & Risk

Net worth ratio
9.49%
17th percentile
Delinquency rate
0.31%
80th percentile
Net charge-off rate
2.44%
1th percentile
Loan-to-share
54.24%
25th percentile

Growth

Member growth YoY
-4.95%
12th percentile
Asset growth YoY
1.72%
32th percentile
Loan growth YoY
-16.74%
1th percentile
Share growth YoY
4.21%
58th percentile

Operations

Members / branch
2,228
27th percentile
Assets / member
$32,771
97th percentile
Field of membership penetration
0.19%
1th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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