BlastPoint's Credit Union Scorecard
SHAW-ROSS EMPLOYEES
Charter #67327 · FL
SHAW-ROSS EMPLOYEES has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Member decline: -4.7% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Net Interest Margin (NIM): Bottom 0.3% in tier
- - Loan-to-Share Ratio: Bottom 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.7% in tier
- - Total Loans: Bottom 5.2% in tier
- - Fee Income Per Member: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
584
-4.7% YoY-1.7% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
72,012
+7.1% YoY
|
33,374
+5.7% YoY
|
16% |
| Assets |
$7.0M
-4.1% YoY-4.7% QoQ
|
$-23.2M |
$30.1M
+2.1% YoY
|
$1.1B
+9.4% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$305,789
-7.7% YoY+1.0% QoQ
|
$-15.5M |
$15.8M
-1.3% YoY
|
$808.5M
+10.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 5.1% in tier |
| Deposits |
$5.9M
-4.3% YoY-5.6% QoQ
|
$-19.8M |
$25.7M
+1.4% YoY
|
$948.9M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.0%
-84.7% YoY-111.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+16.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
0.4%
-27.8% YoY+217.0% QoQ
|
-3.6% |
4.0%
+4.0% YoY
|
3.6%
+4.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.3% in tier |
| Efficiency Ratio |
77.4%
+30.5% YoY-69.0% QoQ
|
-5.2% |
82.6%
-2.3% YoY
|
77.7%
-2.7% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate | 0.4% | -1.1 |
1.6%
-3.1% YoY
|
0.7%
+7.1% YoY
|
1.3%
-2.1% YoY
|
37% |
| Loan To Share |
5.2%
-3.6% YoY+7.0% QoQ
|
-55.4% |
60.6%
-3.1% YoY
|
71.1%
+0.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.9% in tier |
| AMR |
$10,642
+0.3% YoY-3.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$22,519
+3.6% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 10.8% | 7.8% | 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)