TellerScore

Shell Federal Credit Union (NCUA charter #1941) is based in Deer Park, Texas. Its Q2 2026 call report shows $2.1B in total assets and $1.7B in member shares and deposits and 9 offices.

Shell Federal Credit Union has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 86% of its 454 credit unions with $1 billion – $10 billion. Among 380 credit unions headquartered in Texas, it ranks 126th. Problem-loan coverage contributes the most (91/100, 4.7%); funding & liquidity contributes the least (71/100, 89% loans-to-deposits, 7% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion84/100
Net worth ratio: 13.39%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.71%
Earnings76/100
Return on assets (annualized): 1.40%
Funding & liquidity71/100
Loans ÷ shares: 89.4% · 6.6% uninsured
Problem-loan coverage91/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 4.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (76 → 79), mostly because the loan quality component improved by 4 points.

TellerScore
717579Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202471
Q3 202471
Q4 202475
Q1 202573
Q2 202576
Q3 202575
Q4 202575
Q1 202677
Q2 202679
Net worth ratio
7.00%10.20%13.39%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.17%
Q3 202412.37%
Q4 202413.06%
Q1 202512.86%
Q2 202513.07%
Q3 202513.26%
Q4 202513.26%
Q1 202613.16%
Q2 202613.39%
Delinquent loans (60+ days)
0.71%0.84%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.77%
Q3 20240.86%
Q4 20240.91%
Q1 20250.78%
Q2 20250.84%
Q3 20250.90%
Q4 20250.96%
Q1 20260.79%
Q2 20260.71%
Return on assets
0.86%1.13%1.40%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.00%
Q3 20241.05%
Q4 20241.30%
Q1 20250.86%
Q2 20251.32%
Q3 20251.16%
Q4 20251.23%
Q1 20261.23%
Q2 20261.40%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$2.1B13.39%0.71%1.40%89.4%
Q1 202677$2.0B13.16%0.79%1.23%88.8%
Q4 202575$2.0B13.26%0.96%1.23%90.8%
Q3 202575$1.9B13.26%0.90%1.16%92.0%
Q2 202576$1.9B13.07%0.84%1.32%90.4%
Q1 202573$1.9B12.86%0.78%0.86%89.3%
Q4 202475$1.8B13.06%0.91%1.30%93.6%
Q3 202471$1.8B12.37%0.86%1.05%92.9%
Q2 202471$1.8B12.17%0.77%1.00%91.9%

454 peers · $1 billion – $10 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.39%
83rd
Problem loans0.71%
46th
Net charge-offs1.05%
11th
Return on assets1.40%
88th
Loans to deposits89.4%
45th
Uninsured deposits6.6%
76th
Loan-loss reserves0.00%
50th
Texas ratio4.7%
51st

Similar-size credit unions in Texas

InstitutionScoreAssetsCapitalProblem loansCompare
Texas Trust Credit UnionCredit union Mansfield, TX62 out of 100, Moderate$2.1B10.6%0.94%vs
Datcu Credit UnionCredit union Denton, TX89 out of 100, Very strong$1.8B17.2%0.13%vs
Advancial Federal Credit UnionCredit union Dallas, TX43 out of 100, Below average$2.4B8.0%1.33%vs
United Heritage Credit UnionCredit union Austin, TX56 out of 100, Moderate$1.7B9.9%1.22%vs
Firstlight Federal Credit UnionCredit union El Paso, TX68 out of 100, Moderate$1.6B10.3%0.48%vs
Red River Employees Federal Credit UnionCredit union Texarkana, TX77 out of 100, Strong$1.6B13.9%0.94%vs

Deposit insurance

Is my money safe at Shell Federal Credit Union?

Yes. Shell Federal Credit Union is a federally insured credit union (NCUA charter #1941). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.6% of shares and deposits ($116.2M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 13.39%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

9 locations

Branches

Shell Federal Credit Union lists 9 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Shell Federal Credit Union reported 1,641 home-loan applications under HMDA (LEI 549300CYYO0YQ3EVCV77): 755 originated ($97,475,000 total), 688 denied, and 187 withdrawn or closed by the applicant. Its denial rate on decided applications was 47.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Shell Federal Credit Union
Type
Federal credit union
NCUA charter #
1941
RSSD ID
74579
Primary regulator
NCUA
Established
1937
Headquarters
PO Box 578, Deer Park, TX 77536
Employees
476

Quick answers

Shell Federal Credit Union: common questions

Is Shell Federal Credit Union NCUA insured?

Yes. Shell Federal Credit Union is a federally insured credit union (NCUA charter #1941). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Shell Federal Credit Union's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Shell Federal Credit Union have?

9 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Deer Park

InstitutionScoreAssetsCapitalProblem loansCompare
Local 24 Employees Federal Credit UnionCredit union Pasadena, TX98 out of 100, Very strong$13.6M21.0%0.26%vs
Port of Houston Warehouse Federal Credit UnionCredit union Houston, TX96 out of 100, Very strong$5.4M21.6%0.52%vs
Corpus Christi Postal Employees Credit UnionCredit union Corpus Christi, TX96 out of 100, Very strong$17.1M20.3%0.00%vs
City of Deer Park Federal Credit UnionCredit union Deer Park, TX92 out of 100, Very strong$7.3M21.7%0.01%vs
Ila 1351 Federal Credit UnionCredit union La Porte, TX92 out of 100, Very strong$17.3M17.0%0.00%vs
Light Commerce Credit UnionCredit union Houston, TX92 out of 100, Very strong$5.0M26.8%0.93%vs