TellerScore

Shaw-Ross Employees Credit Union is a federally insured state-chartered credit union headquartered in Miami, Florida, in business for about 44 years. At the end of Q2 2026 it reported $6.8M in total assets and $5.8M in member shares and deposits, with 2 offices.

Shaw-Ross Employees Credit Union has a TellerScore of 81 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 21st. Funding & liquidity contributes the most (100/100, 6% loans-to-deposits, 11% uninsured); earnings contributes the least (29/100, 0.24%).

TellerScore · Q2 2026

Scorecard

Capital cushion99/100
Net worth ratio: 14.89%
Loan quality82/100
Loans 60+ days delinquent ÷ total loans: 0.53%
Earnings29/100
Return on assets (annualized): 0.24%
Funding & liquidity100/100
Loans ÷ shares: 6.0% · 10.6% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.18%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 7 points (74 → 81), mostly because the earnings component improved by 29 points.

TellerScore
737985Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202485
Q3 202483
Q4 202482
Q1 202573
Q2 202574
Q3 202578
Q4 202579
Q1 202679
Q2 202681
Net worth ratio
7.00%10.95%14.89%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202414.17%
Q3 202414.24%
Q4 202414.03%
Q1 202512.64%
Q2 202513.11%
Q3 202513.62%
Q4 202514.47%
Q1 202614.45%
Q2 202614.89%
Delinquent loans (60+ days)
0.00%0.37%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.42%
Q1 20260.74%
Q2 20260.53%
Return on assets
-0.83%-0.22%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.39%
Q3 20240.19%
Q4 20240.16%
Q1 2025-0.83%
Q2 2025-0.57%
Q3 2025-0.22%
Q4 20250.03%
Q1 20260.33%
Q2 20260.24%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$6.8M14.89%0.53%0.24%6.0%
Q1 202679$7.0M14.45%0.74%0.33%5.5%
Q4 202579$7.0M14.47%0.42%0.03%5.2%
Q3 202578$7.3M13.62%0.00%-0.22%4.8%
Q2 202574$7.5M13.11%0.00%-0.57%4.8%
Q1 202573$7.5M12.64%0.00%-0.83%4.8%
Q4 202482$7.3M14.03%0.00%0.16%5.4%
Q3 202483$7.1M14.24%0.00%0.19%5.4%
Q2 202485$7.2M14.17%0.00%0.39%4.3%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.89%
53rd
Problem loans0.53%
57th
Net charge-offs0.00%
77th
Return on assets0.24%
29th
Loans to deposits6.0%
99th
Uninsured deposits10.6%
6th
Loan-loss reserves1.25%
85th
Texas ratio0.2%
82nd

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InstitutionScoreAssetsCapitalProblem loansCompare
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Madison Education Assoc. Credit UnionCredit union Madison, FL80 out of 100, Strong$7.3M14.4%0.86%vs
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Container Mutual Credit UnionCredit union Fernandina Beac, FL85 out of 100, Very strong$5.5M48.0%0.41%vs
Unity of Eatonville Federal Credit UnionCredit union Eatonville, FL41 out of 100, Below average$3.1M3.1%0.91%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs

Deposit insurance

Is my money safe at Shaw-Ross Employees Credit Union?

Yes. Shaw-Ross Employees Credit Union is a federally insured credit union (NCUA charter #67327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 10.6% of shares and deposits ($612K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.89%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Shaw-Ross Employees Credit Union lists 2 offices in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Shaw-Ross Employees Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67327
RSSD ID
1227233
Primary regulator
State + NCUA
Established
1982
Headquarters
1600 NW 163rd St, Miami, FL 33169

Quick answers

Shaw-Ross Employees Credit Union: common questions

Is Shaw-Ross Employees Credit Union NCUA insured?

Yes. Shaw-Ross Employees Credit Union is a federally insured credit union (NCUA charter #67327). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Shaw-Ross Employees Credit Union's TellerScore?

81 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Shaw-Ross Employees Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Miami

InstitutionScoreAssetsCapitalProblem loansCompare
Dade County Federal Credit UnionCredit union Sweetwater, FL84 out of 100, Strong$1.5B13.1%0.31%vs
Desjardins Bank, National AssociationBank Hallandale, FL84 out of 100, Strong$362.1M19.3%0.31%vs
Educational Federal Credit UnionCredit union Miami, FL84 out of 100, Strong$1.8B15.4%0.61%vs
Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL81 out of 100, Strong$14.2M22.9%0.04%vs
Guardians Credit UnionCredit union West Palm Beach, FL80 out of 100, Strong$309.5M14.7%0.42%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs