SHELL
Charter #1941 · Deer Park, TX · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 165,292 ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 13.16% ranks in the 84th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.25% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 4.47% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.12% sits at the 79th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SHELL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.03B | 44th pct | 64th pct |
| Members | 165,292 | 65th pct | 80th pct |
| Net worth ratio | 13.16% | 83th pct | 84th pct |
| Return on average assets | 1.25% | 83th pct | 85th pct |
| Net interest margin | 4.47% | 96th pct | 90th pct |
| Cost of funds | 2.08% | 65th pct | 64th pct |
| Loan-to-share | 88.76% | 57th pct | 43th pct |
| Delinquency 60+ days | 0.79% | 66th pct | 69th pct |
| Net charge-off ratio | 1.12% | 89th pct | 79th pct |
| Loan growth YoY | 2.85% | 65th pct | 64th pct |
| Share growth YoY | 6.65% | 80th pct | 79th pct |
| Efficiency ratio | 69.15% | 38th pct | 28th pct |
structural peer set hash: 8658354cfea94ed4a784bc7b7812fc4e… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.