State credit union · Miami, Florida · NCUA charter #67327
Shaw-Ross Employees
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $7.0M
- Total assets
- 584
- Members
- 14.4%
- Net-worth ratio
Shaw-Ross Employees scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $7.0M; members 584; net-worth ratio 14.45%; health rank #3,460 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,460 of 4,374 health · 2025Q4Shaw-Ross Employees · health 72/100 · $7.0M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Shaw-Ross Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Shaw-Ross Employees sits in 70-74 with 317 others.
72 20th percentile higher than 20% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Shaw-Ross Employees: Call Report deltas vs peers
- Delinquency Rate leads the peer set - 0.42% here, 1.81% peer average (-1.39 pp).
- Largest lag: Loan-to-Share Ratio at 5.17% vs peer 63.60% (-58.43 pp).
Shaw-Ross Employees in Florida
- In Florida, health place is #97 of 109 on the same NCUA-ratio sort used nationally.
- Assets rank #104 of 109 inside Florida ($7.0M reported).
- Member book place in Florida: #106 of 109.
- One place up in Florida, Jefferson County Teachers (#96) scores 73/100, 1 point higher; one place down, FICARE (#98) ties at 72/100.
Shaw-Ross Employees Call Report trajectory
Shaw-Ross Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.7% from $7.0M (2025Q4) to $7.0M (2026Q1).
- Net-worth ratio shifted -0.02 pp (14.47% → 14.45%).
This credit union's 14.45% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Shaw-Ross Employees gives up 28 points in total. Member Growth costs the most, 14.5 of its 15; Net Worth Ratio and Delinquency Rate score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.0 pts
- Member Growth 0.5 pts
- Loan-to-Share Ratio 6.5 pts
Shaw-Ross Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.45% | -4.61 pp |
| Delinquency Rate | 0.42% | -1.39 pp |
| Return on Assets | 0.17% | -0.28 pp |
| Member Growth | -4.73% | - |
| Loan-to-Share Ratio | 5.17% | -58.43 pp |
Peer averages: $2M–$10M cohort, 566 credit unions, 2025Q4 filing.
Call Report history - Shaw-Ross Employees
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $7.0M | - |
| 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
Branch Locations (2)
Shaw-Ross Employees operates 2 offices in Miami, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Miami, FL |
| Vital Records | Miami, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Shaw-Ross Employees nationwide neighbourhoods
Similar health score
Using this data
- Shaw-Ross Employees ranks #3,460 of 4,374 nationally on financial health and #97 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Florida Customs is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Florida Customs
Frequently Asked Questions
Is Shaw-Ross Employees financially healthy?
Shaw-Ross Employees has a financial health score of 72/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,460 of 4,374 nationally on health and #97 of 109 in Florida. Its net worth ratio is 14.45% and its delinquency rate 0.42%.
How does Shaw-Ross Employees compare to other credit unions?
Shaw-Ross Employees scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 566 peers in the $2M–$10M cohort, its widest edge is delinquency rate (0.42% vs 1.81%). Its widest shortfall is loan-to-share ratio (5.17% vs 63.60%).
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?
Shaw-Ross Employees is a state-chartered credit union; its shares are federally 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 14.45% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.