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Shell Employees Houston Texas

Houston, TX · Charter 177

NCUA · 6 branches

Q1 2022

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q1 2022, the quarter ended March 31, 2022, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Shell Employees Houston Texas

Houston, TX · Charter 177

NCUA · 6 branches

Q1 2022

$524.7MAssets
$229.9MLoans
$475.2MShares
$55.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.75%, up 56 bps year over year; NIM at 1.97%.
  • Asset quality: problem loans at 0.10% of loans (-46 bps YoY).
  • Capital: net worth / assets of 10.49%, up 87 bps from a year ago.
  • Funding: loans stand at 48.38% of shares as of Q1 2022.

Return on Assets (YTD, annualized)

0.75%+56 bps YoY

Net Interest Margin (YTD, annualized)

1.97%-17 bps YoY

Efficiency Ratio (YTD, annualized)

77.69%-627 bps YoY

Net Worth / Assets

10.49%+87 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2020Q3 2020Q4 2020Q1 2021Q2 2021Q3 2021Q4 2021Q1 2022YoY ΔTrend
Earnings
Return on Assets-0.25%0.09%0.22%0.19%0.50%0.44%0.84%0.75%+56 bps
Return on Equity-2.50%0.96%2.24%1.98%5.02%4.35%7.87%7.11%+513 bps
Net Interest Margin2.54%2.46%2.42%2.14%2.20%2.19%2.18%1.97%-17 bps
Efficiency Ratio101.70%92.99%89.09%83.97%78.58%81.94%75.39%77.69%-627 bps
Growth
Asset Growth (YoY)1.19%5.48%7.68%9.61%5.37%2.81%1.21%0.82%-879 bps
Loan Growth (YoY)-13.39%-12.63%-12.25%-11.03%-6.84%-2.73%-0.95%3.58%+1,461 bps
Share Growth (YoY)0.43%5.34%7.92%10.63%6.26%3.38%1.50%1.76%-887 bps
Asset Quality
Delinquent Loans / Loans0.37%0.39%0.58%0.56%0.47%0.10%0.19%0.10%-46 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.11%1.06%0.95%0.94%0.92%0.84%0.45%0.34%-60 bps
Capital
Risk-Based Capital9.91%9.87%9.97%9.62%9.99%10.08%10.70%10.49%+87 bps
Net Worth / Assets9.91%9.87%9.97%9.62%9.99%10.08%10.70%10.49%+87 bps
Liquidity & Funding
Loans / Shares55.69%52.29%51.07%47.53%48.82%49.20%49.84%48.38%+85 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps