Shell Western States
Shell Western States is a credit union based in Martinez, California, established in 1947, with $69 million in total assets serving 2,188 members. By Trust Grade it ranks 212th of 241 credit unions we track in California. Its net worth ratio of 9.8% trails most similarly sized credit unions (16th percentile), versus a California median of 11.1%. It posted a loss over the most recent period (-0.62% return on assets), a point to watch. No consumer complaints against Shell Western States appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Shell Western States compares to California peers
How we graded Shell Western States
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (9.8% capital ratio)
- Unprofitable over the period (ROA -0.62%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Shell Western States over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Shell Western States insured?
Yes. Shell Western States is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Shell Western States: frequently asked questions
Is Shell Western States a good credit union?
Shell Western States earns a Bankzia Trust Grade of C (76/100, "Average"), based on a financial-strength score of 76/100 (it has no CFPB complaints on record). Well-capitalized (9.8% capital ratio); Unprofitable over the period (ROA -0.62%).
Is Shell Western States NCUA-insured?
Yes. Shell Western States is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Shell Western States?
Shell Western States holds $69 million in total assets, ranking 212th of 241 credit unions we track in California. It serves 2,188 members.
Does Shell Western States have CFPB complaints?
No CFPB complaints against Shell Western States appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
