Side-by-side · Q2 2026 data
Shell Western States Federal Credit Union vs San Francisco Lee Federal Credit Union
Credit union
Shell Western States Federal Credit Union
Martinez, California · Under $100 million in assets
Credit union
San Francisco Lee Federal Credit Union
San Francisco, California · Under $100 million in assets
Metric by metric
| Measure | Shell Western States Federal Credit Union | San Francisco Lee Federal Credit Union |
|---|---|---|
| TellerScore | 64 | 85 (stronger) |
| Capital cushion | 54 | 100 (stronger) |
| Loan quality | 83 | 100 (stronger) |
| Earnings | 15 | 25 (stronger) |
| Funding & liquidity | 100 | 100 |
| Problem-loan coverage | 95 | 100 (stronger) |
| Peer percentile | 28th | 77th |
| Total assets | $66.0M | $10.7M |
| Deposits / shares | $58.3M | $5.0M |
| Capital ratio | 10.45% | 53.26% (stronger) |
| Problem loans | 0.52% | 0.00% (stronger) |
| Net charge-offs | 1.07% | 0.00% (stronger) |
| Return on assets | -0.13% | 0.12% (stronger) |
| Loans ÷ deposits | 57.0% | 50.4% (stronger) |
| Uninsured deposits | 9.2% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
San Francisco Lee Federal Credit Union has the higher TellerScore (85 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 San Francisco Lee Federal Credit Union on 7. 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.