Credit Union Safety Analysis
Is Shaw-Ross Employees Credit Union Safe? Miami, Florida
Based on its Q2 2026 NCUA 5300 call report, Shaw-Ross Employees Credit Union has a net worth ratio of 14.89%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.53%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Shaw-Ross Employees Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Shaw-Ross Employees Credit Union's net worth ratio is 14.89%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.89%
- Delinquency ratio (60+ days) (Q2 2026): 0.53%
- Return on assets (Q2 2026): 0.13%
- Loan-to-share ratio (Q2 2026): 6.04%
Shaw-Ross Employees Credit Union (NCUA charter 67327, established 1982) reported $6.8M in assets and 575 members for Q2 2026 from Miami, Florida. It ranks 102 of 106 credit unions in Florida by total assets. Total assets fell 9.3% from $7.5M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.45% for Q1 2026; 13.11% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.74% for Q1 2026 .
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.33% for Q1 2026; -0.32% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 5.51% for Q1 2026; 4.83% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $348K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $6.8M | 14.89% | 0.53% | 0.13% | 6.04% |
| March 31, 2026 | $7.0M | 14.45% | 0.74% | 0.33% | 5.51% |
| December 31, 2025 | $7.0M | 14.47% | 0.42% | 0.79% | 5.17% |
| September 30, 2025 | $7.3M | 13.62% | — | 0.53% | 4.84% |
| June 30, 2025 | $7.5M | 13.11% | — | -0.32% | 4.83% |
| March 31, 2025 | $7.5M | 12.64% | — | -0.83% | 4.78% |
Add this badge to your website
Free to use. It shows Shaw-Ross Employees Credit Union’s latest filed figures and updates each quarter.
How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Shaw-Ross Employees Credit Union profile
Regulator records: NCUA credit union profile (charter 67327) · FFIEC NIC profile (RSSD 1227233)
Frequently asked questions
Is Shaw-Ross Employees Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Shaw-Ross Employees Credit Union's net worth ratio is 14.89%, above the 7% NCUA threshold for well capitalized.
Is Shaw-Ross Employees Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Shaw-Ross Employees Credit Union is a federally insured credit union (NCUA charter 67327): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Shaw-Ross Employees Credit Union's key safety ratios?
For Q2 2026, Shaw-Ross Employees Credit Union reports net worth 14.89%, delinquency 0.53%, ROA 0.13%, loan-to-share 6.04%.
What happens to my money if Shaw-Ross Employees Credit Union fails?
For Q2 2026, Shaw-Ross Employees Credit Union held $5.8M in shares and deposits for 575 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.