B
Shell Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Shell Federal Credit Union
Deer Park, TX
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Rating B
Asset Quality Index 6.60
Capitalization Index 10.00
Liquidity Index 2.70
Profitability Index 10.00
Stability Index 6.30
Company Info Shell Federal Credit Union
Deer Park, TX
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NCUA Charter Number 823
Phone Number (713) 844-1100
Website www.shellfcu.org
Asset Quality Shell Federal Credit Union
Deer Park, TX
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1-Year Asset Growth 4.27%
5-Year Asset Growth 8.93%
5-Year Charge-Offs to Average Loans 0.56%
Charge-Offs to Average Loans 0.97%
Non-Performing Assets to Assets 0.72%
Non-Performing Loans to Capital 5.43%
Non-Performing Loans to Loans 0.84%
Balance Sheet Shell Federal Credit Union
Deer Park, TX
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Total Assets 1.91B
Total Deposits 1.61B
Capital and Reserves Shell Federal Credit Union
Deer Park, TX
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Capital 241.07M
Leverage Ratio 13.07
Loan Loss Reserves to Loans 0.85%
Liquidity Shell Federal Credit Union
Deer Park, TX
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Hot Money Ratio 15.86%
Liquidity Ratio 13.02%
Profitability Shell Federal Credit Union
Deer Park, TX
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5-Year Return on Average Assets 1.39%
Net Income 12.56M
Net Interest Spread 5.55%
Operating Profit to Average Assets 2.02%
Overhead Efficiency Ratio 71.39%
Return on Assets 1.35%
Return on Equity 10.76%