Credit union · NCUA insured
Shell FCU
Top CarrotA $2B credit union, the 265th largest of 4,329, headquartered in Deer Park, TX, with 165,292 members and 14 branches in Texas. Best rates: CDs 3.90% and savings 1.20% APY.
Shell FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 85% of U.S. banks and credit unions
#23 of 107 in Houston, TX metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Shell FCU
- Headquarters
- 201 E 13th St, Deer Park, TX 77536-3260
- NCUA charter
- 1941
Branches
14 branches in Texas
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Texas
14 branches
- Baytown7235 John Martin Road, Baytown, TX 77521Directions
- Cypress24344 Northwest Fwy, Cypress, TX 77429Directions
- Deer Park301 E 13th St, Deer Park, TX 77536Directions
- Bay Area1600 Bay Area Blvd, Houston, TX 77058Directions
- Pearland11391 Monroe Rd, Houston, TX 77075Directions
- West Orem11654 South Fwy, Houston, TX 77047Directions
- Woodforest5544 E Sam Houston Pkwy N, Houston, TX 77015Directions
- Wilson4787 Wilson Rd, Humble, TX 77396Directions
- Katy23125 Morton Ranch Rd, Katy, TX 77449Directions
- La Porte11526 Spencer Hwy, La Porte, TX 77571Directions
- Fairmont5133 Fairmont Pkwy, Pasadena, TX 77505Directions
- Southmore401 Southmore Ave, Pasadena, TX 77502Directions
- Spring6232 FM 2920 Rd, Spring, TX 77379Directions
- Tomball25514 State Highway 249, 25514 Tomball Pkwy, Tomball, TX 77375Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 13.39% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.71% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.43% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $89 | $88 | — |
- CapitalNet worth ratio13.39%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.71%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.43%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$89Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Shell FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.