BlastPoint's Credit Union Scorecard
SHAW-ROSS EMPLOYEES
Charter #67327 · FL
2596 CUs in <100M nationally
40 in FL
SHAW-ROSS EMPLOYEES has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.90% below tier average
- - Efficiency ratio 168.23% above tier (higher cost structure)
- - Member decline: -4.2% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.2% in tier
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Total Loans: Bottom 5.2% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
594
-4.2% YoY-1.3% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$7.3M
+2.3% YoY-2.8% QoQ
|
$-22.5M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
26% |
| Loans |
$302,687
-7.4% YoY-3.3% QoQ
|
$-15.5M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
Bottom 5.1% in tier |
| Deposits |
$6.3M
+3.4% YoY-3.4% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
27% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.2%
-211.9% YoY-62.7% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.1% in tier |
| NIM |
0.1%
-78.0% YoY-148.4% QoQ
|
-3.8% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.2% in tier |
| Efficiency Ratio |
249.6%
+340.0% YoY
|
+168.2% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
4.8%
-10.4% YoY+0.1% QoQ
|
-56.4% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$11,048
+7.3% YoY-2.1% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
34% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
422
AMR Growth Rate
growth
Value:
7.30%
Peer Avg: -
#422 of 2596
Top 16.2% in <100M tier
Top Weaknesses (11 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2591
Net Interest Margin (NIM)
profitability
Value:
0.11%
Peer Avg: -
#2591 of 2596
Bottom 0.2% in <100M tier
2578
Efficiency Ratio
profitability
Value:
249.63%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2569
Loan-to-Share Ratio
balance_sheet
Value:
4.84%
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2503
Loan-to-Member Ratio (LMR)
engagement
Value:
$509.57
Peer Avg: -
#2503 of 2596
Bottom 3.6% in <100M tier
2463
Total Loans
balance_sheet
Value:
$302,687
Peer Avg: -
#2463 of 2596
Bottom 5.2% in <100M tier
2414
Fee Income Per Member
profitability
Value:
$0.75
Peer Avg: -
#2414 of 2596
Bottom 7.0% in <100M tier
2281
Return on Assets (ROA)
profitability
Value:
-0.21%
Peer Avg: -
#2281 of 2596
Bottom 12.2% in <100M tier
2177
Total Members
engagement
Value:
594
Peer Avg: -
#2177 of 2596
Bottom 16.2% in <100M tier
2156
Net Charge-Off Rate
risk
Value:
0.87%
Peer Avg: -
#2156 of 2596
Bottom 17.0% in <100M tier