Shell vs Mountain Star
Comparing a Credit Union in Deer Park, TX with a Credit Union in El Paso, TX using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| Shell ↗ Credit Union · Deer Park, TX · Est. 1937 | Mountain Star ↗ Credit Union · El Paso, TX · Est. 1935 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Credit Union | Credit Union |
| Location | Deer Park, TX | El Paso, TX |
| Total assets | $2.0B | $46.6M |
| Net worth ratio | 13.2% | 18.0% |
| Return on assets | 1.2% | 9.2% |
| Shares & deposits | — | — |
| Members | 165,292 | 4,784 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #3 of 379 | #2 of 379 |
| Established | 1937 | 1935 |
Shell
- Assets: $2.0B
- Members: 165,292
- Capital ratio: 13.2%
- Return on assets: 1.2%
- CFPB complaints: 0
- State rank: #3 of 379
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
Are both institutions federally insured?
Yes. Shell is NCUA-insured and Mountain Star 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, Shell or Mountain Star?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — Shell 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 Shell safe?
Yes — Shell 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 Mountain Star safe?
Yes — Mountain Star 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 Shell vs Mountain Star?
Shell has a net worth ratio of 13.2%, placing it in the top 18% of $1B–10B peers. Mountain Star's ratio is 18.0%, placing it in the top 30% of <$100M peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does Shell have compared to Mountain Star?
The CFPB database shows 0 complaints against Shell, and 0 complaints against Mountain Star. 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 Shell 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.
