Credit union · NCUA insured
Shell Western States FCU
A $69.3M credit union headquartered in Martinez, CA, with 2,188 members and 1 branch in California. Best rates: CDs 2.63% and savings 1.51% APY.
Shell Western States FCU Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#23 of 71 in San Francisco, CA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Shell Western States FCU
Founded in 1947 in Martinez, California for Shell Oil Refinery workers and their families, SWS Federal Credit Union has served the local community for over 70 years.
The member-owned credit union serves individuals who live, work, worship, or attend school in Contra Costa County.
- Headquarters
- 1700 Pacheco Blvd, Martinez, CA 94553-1976
- NCUA charter
- 5484
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live, work, worship, or attend school in Contra Costa County are eligible for membership.
Family and household
- Individuals who have an immediate family member with an active account with SWSFCU are eligible for membership.
Branches
1 branch in California
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California
1 branch
- Corporate OfficeMain office1700 Pacheco Blvd, Martinez, CA 94553Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.45% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.52% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -0.12% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio10.45%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.52%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-0.12%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Western States FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.