Side-by-side · Q2 2026 data
Shell Western States Federal Credit Union vs Escondido Federal Credit Union
Credit union
Shell Western States Federal Credit Union
Martinez, California · Under $100 million in assets
Credit union
Escondido Federal Credit Union
Escondido, California · Under $100 million in assets
Metric by metric
| Measure | Shell Western States Federal Credit Union | Escondido Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 89 (stronger) |
| Capital cushion | 54 | 87 (stronger) |
| Loan quality | 83 | 98 (stronger) |
| Earnings | 15 | 67 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 28th | 87th |
| Total assets | $66.0M | $66.8M |
| Deposits / shares | $58.3M | $57.4M |
| Capital ratio | 10.45% | 13.67% (stronger) |
| Problem loans | 0.52% | 0.06% (stronger) |
| Net charge-offs | 1.07% | 0.19% (stronger) |
| Return on assets | -0.13% | 1.17% (stronger) |
| Loans ÷ deposits | 57.0% | 39.3% (stronger) |
| Uninsured deposits | 9.2% | 8.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Escondido Federal Credit Union has the higher TellerScore (89 vs 64). On the 7 directional measures above (where higher or lower is clearly better), Shell Western States Federal Credit Union leads on 0 and Escondido Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.