Shell

Deer Park, TX · 1 · Charter #1941 · www.shellfcu.org
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$2.0B
45th percentile
Members
162,417
66th percentile
Total loans
$1.5B
51th percentile
Total shares
$1.7B
47th percentile

Profitability

Return on assets
1.49%
82th percentile
Net interest margin
4.59%
99th percentile
Efficiency ratio
54.84%
36th percentile
Non-interest income ratio
26.03%
89th percentile

Capital & Risk

Net worth ratio
13.26%
85th percentile
Delinquency rate
0.96%
30th percentile
Net charge-off rate
0.92%
17th percentile
Loan-to-share
90.79%
53th percentile

Growth

Member growth YoY
5.45%
80th percentile
Asset growth YoY
8.39%
72th percentile
Loan growth YoY
6.43%
58th percentile
Share growth YoY
9.69%
80th percentile

Operations

Members / branch
11,601
82th percentile
Assets / member
$12,089
4th percentile
Field of membership penetration
4.49%
45th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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