ok, so they're the 3 orthogonal directions (x,y,z).
if one is aligned to be tension then vector sum the other two for the shear.
if not, vector sum the three components, figure out the tension direction, dot product for the tension, and vector sum for the shear component.
i don't think you can vector summ the three components and compare to tension allowable.
if it generates a +ve MS, you can numerically add the three components and compare to the smaller (tension or shear) allowable. this is a short cut (some might say sloppy) but i'd defend it (as being extremely conservative) if it shows a large MS.
the point about the large MS is why do a "fussy" calc and get MS >> 2 when a simple calc gives you MS > 2
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