SHELL WESTERN STATES Credit Union Profile

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SHELL WESTERN STATES

Charter #5484 | NCUA Region 3 | FCU
Low-Income Designation: No
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (925) 228-4545

Fax: (925) 228-0770

Founding Date: N/A

Website: https://www.swsfcu.org

Personnel & Operations

President: Gonzalez, Michael

Manager: Bacani, MJ

FT Employees: 8

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: Monday, Tuesday, Wednesday & Friday 8:3

Credit Union Profile Summary

SHELL WESTERN STATES is a FCU Credit Union. With a total of 2,291 members [1], this institution manages approximately $73,599,135 in total assets [1]. It does not currently hold a Low-Income Designation. Key financial indicators show a solid Net Worth Ratio of 10.69% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -17.63% [1].

Financial Snapshot

Total Assets [1]
$73,599,135

Total economic resources.

Total Loans [1]
$39,298,809

Total value of outstanding loans.

Total Deposits [1]
$64,912,035

Total funds deposited by members.

Members [1]
2,291

Number of active members.

Performance Ratios

Net Worth Ratio [1]
10.69%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-2.51%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
60.54%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -0.49%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -17.63%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.06%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1700 Pacheco Blvd

Martinez, CA, 94553-1976
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by SHELL WESTERN STATES (Charter #5484).

Main Office

Corporate Office Main Office

Type: Corporate Office

1700 Pacheco Blvd

Martinez, CA 94553-1976

Phone: (925) 228-4545

Services: Member Services, ATM

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