Side-by-side · Q2 2026 data
Shell Western States Federal Credit Union vs Parishioners Federal Credit Union
Credit union
Shell Western States Federal Credit Union
Martinez, California · Under $100 million in assets
Credit union
Parishioners Federal Credit Union
Torrance, California · Under $100 million in assets
Metric by metric
| Measure | Shell Western States Federal Credit Union | Parishioners Federal Credit Union |
|---|---|---|
| TellerScore | 64 (stronger) | 44 |
| Capital cushion | 54 (stronger) | 38 |
| Loan quality | 83 (stronger) | 25 |
| Earnings | 15 | 57 (stronger) |
| Funding & liquidity | 100 (stronger) | 67 |
| Problem-loan coverage | 95 (stronger) | 47 |
| Peer percentile | 28th | 4th |
| Total assets | $66.0M | $69.9M |
| Deposits / shares | $58.3M | $56.1M |
| Capital ratio | 10.45% (stronger) | 8.77% |
| Problem loans | 0.52% (stronger) | 2.25% |
| Net charge-offs | 1.07% | 0.88% (stronger) |
| Return on assets | -0.13% | 0.94% (stronger) |
| Loans ÷ deposits | 57.0% (stronger) | 93.1% |
| Uninsured deposits | 9.2% | 7.0% (stronger) |
| Offices | 1 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Shell Western States Federal Credit Union has the higher TellerScore (64 vs 44). On the 7 directional measures above (where higher or lower is clearly better), Shell Western States Federal Credit Union leads on 4 and Parishioners Federal Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.