Headquartered in Martinez, California, Shell Western States Federal Credit Union is a federal credit union with $66.0M in total assets and $58.3M in member shares and deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1947.
Shell Western States Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 28% of its 2,479 credit unions with under $100 million in assets. Among 238 credit unions headquartered in California, it ranks 158th. Funding & liquidity contributes the most (100/100, 57% loans-to-deposits, 9% uninsured); earnings contributes the least (15/100, -0.13%).
TellerScore · Q2 2026
Scorecard
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 10 points (54 → 64), mostly because the loan quality component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 57 |
| Q4 2024 | 58 |
| Q1 2025 | 56 |
| Q2 2025 | 54 |
| Q3 2025 | 59 |
| Q4 2025 | 61 |
| Q1 2026 | 59 |
| Q2 2026 | 64 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.16% |
| Q3 2024 | 12.43% |
| Q4 2024 | 12.22% |
| Q1 2025 | 11.31% |
| Q2 2025 | 10.69% |
| Q3 2025 | 10.06% |
| Q4 2025 | 9.49% |
| Q1 2026 | 9.84% |
| Q2 2026 | 10.45% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 2.10% |
| Q3 2024 | 1.38% |
| Q4 2024 | 1.32% |
| Q1 2025 | 1.37% |
| Q2 2025 | 1.35% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.56% |
| Q2 2026 | 0.52% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.84% |
| Q3 2024 | -1.97% |
| Q4 2024 | -1.70% |
| Q1 2025 | -2.38% |
| Q2 2025 | -2.48% |
| Q3 2025 | -2.53% |
| Q4 2025 | -2.45% |
| Q1 2026 | -0.62% |
| Q2 2026 | -0.13% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 64 | $66.0M | 10.45% | 0.52% | -0.13% | 57.0% |
| Q1 2026 | 59 | $69.3M | 9.84% | 0.56% | -0.62% | 55.6% |
| Q4 2025 | 61 | $73.0M | 9.49% | 0.31% | -2.45% | 54.2% |
| Q3 2025 | 59 | $73.4M | 10.06% | 0.68% | -2.53% | 58.6% |
| Q2 2025 | 54 | $73.6M | 10.69% | 1.35% | -2.48% | 60.5% |
| Q1 2025 | 56 | $73.7M | 11.31% | 1.37% | -2.38% | 61.9% |
| Q4 2024 | 58 | $71.8M | 12.22% | 1.32% | -1.70% | 67.9% |
| Q3 2024 | 57 | $72.3M | 12.43% | 1.38% | -1.97% | 74.0% |
| Q2 2024 | 53 | $74.0M | 13.16% | 2.10% | -0.84% | 75.6% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Delta Schools Federal Credit UnionCredit union Antioch, CA | 81 out of 100, Strong | $66.5M | 10.7% | 0.00% | vs |
| Escondido Federal Credit UnionCredit union Escondido, CA | 89 out of 100, Very strong | $66.8M | 13.7% | 0.06% | vs |
| Santa Barbara County Federal Credit UnionCredit union Santa Barbara, CA | 92 out of 100, Very strong | $64.8M | 13.5% | 0.04% | vs |
| Rolling F Credit UnionCredit union Turlock, CA | 75 out of 100, Strong | $63.9M | 12.0% | 0.80% | vs |
| Bopti Federal Credit UnionCredit union San Pedro, CA | 76 out of 100, Strong | $63.3M | 24.8% | 1.52% | vs |
| Parishioners Federal Credit UnionCredit union Torrance, CA | 44 out of 100, Below average | $69.9M | 8.8% | 2.25% | vs |
Deposit insurance
Is my money safe at Shell Western States Federal Credit Union?
Yes. Shell Western States Federal Credit Union is a federally insured credit union (NCUA charter #5484). 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 9.2% of shares and deposits ($5.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 10.45%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Shell Western States Federal Credit Union lists 1 office in 1 city. Most locations:
- Martinez, CA (1)
Identity & history
Profile
- Legal name
- Shell Western States Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 5484
- RSSD ID
- 986878
- Primary regulator
- NCUA
- Established
- 1947
- Headquarters
- 1700 Pacheco Blvd, Martinez, CA 94553
- Employees
- 10
Quick answers
Shell Western States Federal Credit Union: common questions
Is Shell Western States Federal Credit Union NCUA insured?
Yes. Shell Western States Federal Credit Union is a federally insured credit union (NCUA charter #5484). 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 Western States Federal Credit Union's TellerScore?
64 out of 100 (Moderate), 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 Western States Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Martinez
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Bank of StocktonBank Stockton, CA | 94 out of 100, Very strong | $5.0B | 19.9% | 0.08% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |