BlastPoint's Credit Union Scorecard
SHAW-ROSS EMPLOYEES
Charter #67327 · FL
SHAW-ROSS EMPLOYEES has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 7.1% in tier
- + Loan Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.26% below tier average
- - Member decline: -4.5% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 0.4% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.1% in tier
- - Total Loans: Bottom 5.8% in tier
- - Deposit Growth Rate: Bottom 6.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 35 that size in Florida.
- Shares and deposits -11.2% year over year ($5.8M in shares and deposits).
- Membership: 575 members, -4.5% vs a year ago.
- Delinquency rate 0.53%.
- Return on assets 0.23%.
- Efficiency ratio 54.42% vs a 88.77% peer average.
- Loan-to-share ratio 6.04% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
575
-4.5% YoY+0.2% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$6.8M
-9.3% YoY-2.7% QoQ
|
$-23.5M |
$30.3M
+1.5% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
24% |
| Loans |
$347,591
+11.1% YoY+5.9% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.7% in tier |
| Deposits |
$5.8M
-11.2% YoY-3.4% QoQ
|
$-20.1M |
$25.8M
+1.1% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.2%
-140.4% YoY-29.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
Bottom 14.4% in tier |
| NIM |
0.7%
-379.9% YoY+5.8% QoQ
|
-3.2% |
3.9%
+0.9% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
54.4%
+11.3% QoQ
|
-34.3% |
88.8%
-6.9% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
0.5%
-28.4% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
43% |
| Loan To Share |
6.0%
+25.1% YoY+9.6% QoQ
|
-52.8% |
58.9%
-3.1% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.1% in tier |
| AMR |
$10,608
-6.0% YoY-3.1% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 24.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)