SHAW-ROSS EMPLOYEES
Charter #67327 · Miami, FL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 0.63% sits at the 2nd percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 48.90% ranks in the 10th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SHAW-ROSS EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $7.02M | 80th pct | 66th pct |
| Members | 574 | 49th pct | 46th pct |
| Net worth ratio | 14.45% | 35th pct | 43th pct |
| Return on average assets | 0.33% | 47th pct | 49th pct |
| Net interest margin | 0.63% | 1th pct | 2th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 5.51% | 3th pct | 5th pct |
| Delinquency 60+ days | 0.74% | 48th pct | 57th pct |
| Net charge-off ratio | 0.00% | 22th pct | 21th pct |
| Loan growth YoY | 8.40% | 92th pct | 95th pct |
| Share growth YoY | -4.90% | 17th pct | 21th pct |
| Efficiency ratio | 48.90% | 8th pct | 10th pct |
structural peer set hash: d77cc027c33723e9e40a53f564b43bcd… (reproducible)
Closest structural peers
This is the free public view
Claim SHAW-ROSS EMPLOYEES
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.