Mountain Star vs Shell
Comparing a Credit Union in El Paso, TX with a Credit Union in Deer Park, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Mountain Star ↗ Credit Union · El Paso, TX · Est. 1935 | Shell ↗ Credit Union · Deer Park, TX · Est. 1937 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | El Paso, TX | Deer Park, TX |
| Total assets | $46.6M | $2.0B |
| Net worth ratio | 18.0% | 13.2% |
| Return on assets | 9.2% | 1.2% |
| Shares & deposits | — | — |
| Members | 4,784 | 165,292 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 379 | #3 of 379 |
| Established | 1935 | 1937 |
Mountain Star
- Assets: $46.6M
- Members: 4,784
- Capital ratio: 18.0%
- Return on assets: 9.2%
- CFPB complaints: 0
- State rank: #2 of 379
Shell
- Assets: $2.0B
- Members: 165,292
- Capital ratio: 13.2%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 379
Are both institutions federally insured?
Yes. Mountain Star is NCUA-insured and Shell is NCUA-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, Mountain Star or Shell?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Mountain Star scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is Mountain Star safe?
Yes — Mountain Star is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Shell safe?
Yes — Shell is NCUA-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of Mountain Star vs Shell?
Mountain Star has a net worth ratio of 18.0%, placing it in the top 30% of <$100M peers. Shell's ratio is 13.2%, placing it in the top 18% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Mountain Star have compared to Shell?
The CFPB database shows 0 complaints against Mountain Star, and 0 complaints against Shell. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare Mountain Star with other Credit Unions in Texas
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
