Shaw-Ross Employees Credit Union Miami, Florida
Shaw-Ross Employees Credit Union is a state-chartered credit union headquartered in Miami, FL, established in 1982 (NCUA charter 67327), and it is regulated and insured by the NCUA. At Q2 2026 it reported 575 members and total assets of $6.8M (down 9.3% from Q2 2025), the 102nd largest of 106 credit unions headquartered in Florida. Its net worth ratio was 14.89% at Q2 2026, in the well capitalized band.
Also written as Shaw-Ross Employees CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67327
- Headquarters
- Miami, FL
- Established
- 1982
- Total assets, Q2 2026
- $6.8M
- Assets vs Q2 2025
- -9.3%
- Members, Q2 2026
- 575
- Net worth ratio, Q2 2026
- 14.89%
- Latest call report
- Q2 2026, NCUA 5300 · Shaw-Ross Employees Credit Union call report
- Asset rank in state
- 102nd of 106 in Florida
- Branches
- 2
It has 27 fewer members than on June 30, 2025 (-4.5%). Its net worth ratio was up 1.78 percentage points from 13.11% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $348K of $348K in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.53% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.89% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about Shaw-Ross Employees Credit Union
How big is Shaw-Ross Employees Credit Union?
At Q2 2026 it reported total assets of $6.8M and 575 members.
Where is Shaw-Ross Employees Credit Union headquartered?
It is headquartered in Miami, FL, United States.
When was Shaw-Ross Employees Credit Union founded?
It was established in 1982, per NCUA records.
Is Shaw-Ross Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67327): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Shaw-Ross Employees Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Shaw-Ross Employees Credit Union well capitalized?
Its net worth ratio was 14.89% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Shaw-Ross Employees Credit Union's delinquency ratio?
Its delinquency ratio was 0.53% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Shaw-Ross Employees Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 6.04% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Miami, FL 33169
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1982
- NCUA Charter #
- 67327
- RSSD ID
- 1227233
- Members
- 575
- Potential members
- 5,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures and in the bottom quartile on 4.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.89% | 14.31% | 53rd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.13% | 0.72% | 25th bottom |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.89% | 4.74% | 25th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 0.70% | 3.93% | under 10th bottom |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 59.58% | 79.83% | 87th top |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 2.92% | 0.78% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.53% | 0.86% | 66th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 3.62% | 4.70% | under 10th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 6.04% | 58.92% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$6.8M total assets against $7.5M; $5.8M total shares and deposits against $6.5M; $348K total loans against $313K.
$1.0M net worth against $987K.
14.89% net worth ratio against 13.11%.
6.04% loan-to-share ratio against 4.83%.
0.53% delinquency ratio.
0.13% return on assets against -0.32%; 0.89% return on equity against -2.40%.
0.70% net interest margin against -0.03%.
575 members against 602.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.89% | 0.13% | 0.53% | 6.04% |
| March 31, 2026 | 14.45% | 0.33% | 0.74% | 5.51% |
| December 31, 2025 | 14.47% | 0.79% | 0.42% | 5.17% |
| September 30, 2025 | 13.62% | 0.53% | — | 4.84% |
| June 30, 2025 | 13.11% | -0.32% | — | 4.83% |
| March 31, 2025 | 12.64% | -0.83% | — | 4.78% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.