Sep, 30, 2025 — SHELL WESTERN STATES FEDERAL CREDIT UNION is a federal credit union headquartered in MARTINEZ, CA with 1 branch location and about $73.38 million in total assets. Opened 79 years ago in 1947, SHELL WESTERN STATES FEDERAL CREDIT UNION has about 2,261 members and employs 9 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | SHELL WESTERN STATES FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1700 Pacheco Blvd MARTINEZ, CA 94553-1976 |
| Phone: | (925) 228-4545 |
| Fax: | (925) 228-0770 |
| Website: | https://www.swsfcu.org |
| Branches: | 1 branch locations |
| Members: | 2,261 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 5484 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1947 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $73,378,628 |
| CEO/Manager: | MJ Bacani |
| Chairperson: | Michael Gonzalez |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 20,839,020 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 21,034,369 |
| Unsecured Loans | 1,999,486 |
| Other Loans | 15,095,044 |
| TOTAL LOANS | 38,128,899 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -1,176,880 |
| Land And Building | 499,121 |
| Other Fixed Assets | 312,470 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 568,809 |
| All Other Assets | 0 |
| TOTAL ASSETS | 73,378,628 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 557,414 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 285,837 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 5,257,812 |
| Regular shares | 31,262,555 |
| All Other Shares & Deposits | 28,579,155 |
| TOTAL SHARES & DEPOSITS | 65,099,522 |
| TOTAL LIABILITIES | 65,942,773 |
| Regular Reserve | 0 |
| Other Reserves | 107,103 |
| Undivided Earnings | 7,328,752 |
| TOTAL EQUITY | 7,435,855 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 73,378,628 |
| INCOME & EXPENSE | |
| Loan Income | 1,394,034 |
| Investment Income | 809,993 |
| Other Income | 74,597 |
| Total Employee Compensation & Benefits | 985,802 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 876,198 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 1,047,587 |
| Cost of Funds | 807,129 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -1,393,705 |
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