Side-by-side · Q2 2026 data
Shell Federal Credit Union vs U. S. Employees Credit Union
Metric by metric
| Measure | Shell Federal Credit Union | U. S. Employees Credit Union |
|---|---|---|
| TellerScore | 79 (stronger) | 74 |
| Capital cushion | 84 (stronger) | 54 |
| Loan quality | 76 | 93 (stronger) |
| Earnings | 76 (stronger) | 49 |
| Funding & liquidity | 71 | 100 (stronger) |
| Problem-loan coverage | 91 | 98 (stronger) |
| Peer percentile | 86th | 49th |
| Total assets | $2.1B | $86.4M |
| Deposits / shares | $1.7B | $77.0M |
| Capital ratio | 13.39% (stronger) | 10.38% |
| Problem loans | 0.71% | 0.20% (stronger) |
| Net charge-offs | 1.05% | 0.35% (stronger) |
| Return on assets | 1.40% (stronger) | 0.72% |
| Loans ÷ deposits | 89.4% | 48.6% (stronger) |
| Uninsured deposits | 6.6% | 4.0% (stronger) |
| Offices | 9 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 47.3% | — |
Shell Federal Credit Union has the higher TellerScore (79 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Shell Federal Credit Union leads on 3 and U. S. Employees Credit Union on 4. 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.