Side-by-side · Q2 2026 data
Bank of Stockton vs Shell Western States Federal Credit Union
Credit union
Shell Western States Federal Credit Union
Martinez, California · Under $100 million in assets
Metric by metric
| Measure | Bank of Stockton | Shell Western States Federal Credit Union |
|---|---|---|
| TellerScore | 94 (stronger) | 64 |
| Capital cushion | 100 (stronger) | 54 |
| Loan quality | 97 (stronger) | 83 |
| Earnings | 100 (stronger) | 15 |
| Funding & liquidity | 64 | 100 (stronger) |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 100th | 28th |
| Total assets | $5.0B | $66.0M |
| Deposits / shares | $3.8B | $58.3M |
| Capital ratio | 19.95% (stronger) | 10.45% |
| Problem loans | 0.08% (stronger) | 0.52% |
| Net charge-offs | 0.05% (stronger) | 1.07% |
| Return on assets | 6.08% (stronger) | -0.13% |
| Loans ÷ deposits | 63.2% | 57.0% (stronger) |
| Uninsured deposits | 45.2% | 9.2% (stronger) |
| Offices | 21 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 31.2% | — |
Bank of Stockton has the higher TellerScore (94 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Bank of Stockton leads on 5 and Shell Western States Federal Credit Union on 2. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.