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
- + ROA 0.18% above tier average
- + Efficiency Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.8% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.6% in tier
- - Loan-to-Share Ratio: Bottom 1.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.2% in tier
- - Total Loans: Bottom 5.6% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Fee Income Per Member: Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
574
-4.8% YoY-1.7% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
74,034
+8.9% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$7.0M
-6.6% YoY+0.7% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$1.2B
+11.7% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$328,117
+5.5% YoY+7.3% QoQ
|
$-15.0M |
$15.3M
-2.0% YoY
|
$841.5M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 5.6% in tier |
| Deposits |
$6.0M
-8.5% YoY+0.8% QoQ
|
$-19.8M |
$25.8M
+0.7% YoY
|
$1.0B
+12.4% YoY
|
$494.3M
+9.1% YoY
|
26% |
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| ROA |
0.3%
-138.7% YoY
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-11.7% YoY
|
0.4%
-39.2% YoY
|
36% |
| NIM |
0.6%
-237.7% YoY+72.5% QoQ
|
-3.4% |
4.0%
+4.0% YoY
|
3.6%
+2.7% YoY
|
3.8%
+4.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
48.9%
-36.8% QoQ
|
-41.7% |
90.6%
+6.5% YoY
|
80.0%
+2.7% YoY
|
84.6%
+2.8% YoY
|
Top 4.3% in tier |
| Delinquency Rate |
0.7%
+78.4% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
0.6%
+6.2% YoY
|
1.2%
+3.4% YoY
|
54% |
| Loan To Share |
5.5%
+15.3% YoY+6.5% QoQ
|
-53.0% |
58.5%
-3.0% YoY
|
70.1%
+1.4% YoY
|
65.6%
-1.4% YoY
|
Bottom 1.0% in tier |
| AMR |
$10,944
-3.2% YoY+2.8% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$23,044
+4.5% YoY
|
$19,920
+1.6% YoY
|
33% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)