Shell Federal Credit Union

Shell Federal Credit Union is headquartered in Deer Park and is the 29^th largest credit union in the state of Texas. It is also the 372^nd largest credit union in the nation. It was established in 1937 and as of December of 2012, it had grown to 182 employees and 57,748 members. Shell Federal Credit Union's money market rates are 48% higher than the national average, and it boasts a 5-star health rating.

Shell Federal Credit Union Routing Number: 313080636

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Data for Q4 2012

Institution Statistics SHELL NCUA # 1941 BankRate Report View Year Chartered 1937 Employees 182 Primary Regulator Assets and Liabilities Assets $565.66 million Loans $398.81 million Deposits $497.71 million Equity Capital $53.70 million Loan Loss Allowance $2.47 million Unbacked Noncurrent Loans $2.41 million Real Estate Owned $112,000 Historic Data - December 2011 Assets $482.03 million Equity Capital $46.41 million Loan Loss Allowance $3.22 million Unbacked Noncurrent Loans $3.37 million Real Estate Owned $156,000 Profit Margin - Quarterly Net Interest Margin 5.15% Return on Assets 1.23% Return on Equity 12.91% Interest Income $24.67 million Non-Interest Income $11.79 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Shell Federal Credit Union had $2.52 million in non-current loans and owned real-estate with $56.17 million in equity and loan loss allowances on hand to cover it. This gives Shell Federal Credit Union a Texas Ratio of 4.49% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Shell Federal Credit Union decreased slightly from 7.10% as of December 31, 2011 to 4.49% as of December 31, 2012, resulting in a positive change of 36.85%.This indicates that the balance sheet and financial strength for Shell Federal Credit Union has improved slightly in recent periods. Deposit Growth In the past year, Shell Federal Credit Union has increased its total deposits by $71.51 million, resulting in 16.78% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Shell Federal Credit Union has shown is excellent. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Shell Federal Credit Union has $565.66 million in assets with $56.17 million in equity, resulting in a capitalization level of 9.93%, which is average.

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