Shell Federal Credit Union

Shell Federal Credit Union is headquartered in DEER PARK and is the 32^nd largest credit union in the state of Texas. It is also the 412^st largest credit union in the nation. It was established in 1937 and as of September of 2011, it had grown to 156 employees and 50,612 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 Q3 2011

Institution Statistics SHELL NCUA # 1941 BankRate Report View Year Established 1937 Employees 156 Primary Regulator Assets and Liabilities Assets $465.64 million Loans $319.61 million Deposits $410.86 million Equity Capital $44.65 million Loan Loss Allowance $3.50 million Unbacked Noncurrent Loans $3.08 million Real Estate Owned $156,000 Historic Data - September 2010 Assets $423.37 million Equity Capital $39.83 million Loan Loss Allowance $3.65 million Unbacked Noncurrent Loans $2.69 million Profit Margin - Quarterly Net Interest Margin 4.65% Return on Assets 1.27% Return on Equity 13.25% Interest Income $17.68 million Non-Interest Income $7.35 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 September 30, 2011 Shell Federal Credit Union had $3.24 million in non-current loans and owned real-estate with $48.15 million in equity and loan loss allowances on hand to cover it. This gives Shell Federal Credit Union a Texas Ratio of 6.72% 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 held steady from 6.19% as of September 30, 2010 to 6.72% as of September 30, 2011, resulting in a negative change of 8.47%. This indicates that the balance sheet and financial strength for Shell Federal Credit Union has held steady in recent periods. Deposit Growth In the past year, Shell Federal Credit Union has increased its total deposits by $33.44 million, resulting in 8.86% 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 $465.64 million in assets with $48.15 million in equity, resulting in a capitalization level of 10.34%, which is above average.

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