SHELL WESTERN STATES
Charter #5484 · Martinez, CA · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 2,188 sits at the 10th percentile of structural peers — worth a closer look.
- Return on average assets of -0.60% sits at the 10th percentile of structural peers — worth a closer look.
- Net interest margin of 2.79% sits at the 15th percentile of structural peers — worth a closer look.
- Cost of funds of 1.44% sits at the 77th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.61% sits at the 87th 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 WESTERN STATES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $69.33M | 45th pct | 41th pct |
| Members | 2,188 | 2th pct | 10th pct |
| Net worth ratio | 9.84% | 19th pct | 39th pct |
| Return on average assets | -0.60% | 5th pct | 10th pct |
| Net interest margin | 2.79% | 10th pct | 15th pct |
| Cost of funds | 1.44% | 77th pct | 77th pct |
| Loan-to-share | 55.64% | 41th pct | 44th pct |
| Delinquency 60+ days | 0.56% | 46th pct | 52th pct |
| Net charge-off ratio | 0.61% | 77th pct | 87th pct |
| Loan growth YoY | -10.01% | 2th pct | 0th pct |
| Share growth YoY | -5.26% | 1th pct | 2th pct |
| Efficiency ratio | 104.07% | 95th pct | 89th pct |
structural peer set hash: ac67b8f7c35604d7afc1237089aa2f76… (reproducible)
Closest structural peers
This is the free public view
Claim SHELL WESTERN STATES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.