The 0.35 and 0.7 factor for shear walls account for the degree of cracking in the walls. Overturning moments induce a flexural tension, which sometimes exceed the capacity of concrete and induces cracking.
A manual check would be do a P/A - M/S to see if there is a tension in the wall and if it exceeds 7.5 sqrt (fc'). Usually computer programs let you see stress outputs and you can set the parameter to show any stress levels that are higher than the modulus of rupture of concrete (f't)