State credit union · Miami, Florida · NCUA charter #67327
Shaw-ross Employees
Health score 72/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $7.0M
- Total assets
- 584
- Members
- 12.7%
- Net-worth ratio
Shaw-ross Employees - Share Insurance Coverage
Charter #67327's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Shaw-ross Employees - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)67
- Member growth3
- Liquidity (loan-to-share)43
Weighted composite: 72/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 12.75% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 12.75% | 30% |
| Delinquency Rate | 0.42% | 25% |
| Return on Assets | 0.17% | 15% |
| Member Growth | -4.73% | 15% |
| Loan-to-Share Ratio | 5.17% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $7.0M | 584 |
| 2024Q4 | $7.3M | 613 |
| 2023Q4 | $7.1M | 631 |
Credit Union Details
- Charter Number
- 67327
- Type
- State
- Field of Membership
- Other
- Peer Group
- $2M–$10M
- State
- Florida
- City
- Miami
- Data Quarter
- 2025Q4
What This Data Says About Shaw-ross Employees
Shaw-ross Employees is a state credit union headquartered in Miami, Florida, serving 584 members with $7.0M in total assets and $306K in outstanding loans as of Q4 2025. Based on its five-factor composite, the institution earns a health score of 72/100 (Very Good), anchored by a net worth ratio of 12.75% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. Charter #67327 operates under peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 0.42% measures loans 60+ days past due against total loans outstanding - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running tighter than peers. The loan-to-share ratio of 5.17% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.17% on net income of $12K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -4.73%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Shaw-ross Employees financially healthy?
A 12.75% net worth ratio and a 0.42% delinquency rate feed into Shaw-ross Employees's financial health score of 72/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Shaw-ross Employees compare to other credit unions?
Five weighted metrics from NCUA filings produce Shaw-ross Employees's 72/100 score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Shaw-ross Employees?
Membership eligibility for Shaw-ross Employees depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Shaw-ross Employees directly for current membership requirements and application steps.
Is my money safe at Shaw-ross Employees?
Federal credit unions like Shaw-ross Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Shaw-ross Employees's net worth ratio of 12.75% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Shaw-ross Employees offer compared to banks?
Credit unions like Shaw-ross Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Shaw-ross Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.