Overdrawn investigates the cost and consequence of crime. Each season focuses on one case, told by those speaking out about what that others refuse to discuss. Overdrawn goes past the headlines and the hype, into the moment someone realizes something is wrong, the systems that should have caught it sooner, and the lives that were never the same.
Reported and produced by Andy Janning. Distributed by The Credit Union Connection.
712. $2.1 million. 51 months. Numbers have defined this story. But one of the most important entries in the records isn't a number. It's a name. On eight of 712's quarterly Call Reports, the NCUA examiner assigned to the credit union appears as the Certifying Official, beneath a certification directed to credit union leadership. Six of those reports were filed while CEO Stacey Shaw was embezzling nearly $2.1 million. NCUA confirmed the entries but wouldn't explain them. Former NCUA exam...
3 Nov 2026
Gone
{A listener note: this episode includes discussion of sexual abuse in federal prisons, including testimony a survivor gave to the United States Senate. There are no graphic descriptions, but it may be hard to hear. If you or someone you know has been affected by sexual violence, you can reach the National Sexual Assault Hotline any time, free and confidentially, at 800-656-HOPE. That's 800-656-4673. You can also chat online at rainn.org/hotline.] "Only fifty-one months for stealing two ...
27 Oct 2026
Paradise Road
The pig farm that Stacey Shaw bought while she was embezzling from the 712 credit union figured prominently in numerous media reports about her crime. Despite the FBI finding that Shaw spent "a lot of money outfitting that land for her use", her defense attorney said the property wasn't "worth the deed that was printed for it", and the government agreed. Where did the money go? To find out, we visit the man who bought the land from Shaw a few months before federal charges were filed aga...
20 Oct 2026
The Experiment
"This was all in plain sight, had somebody just kinda looked at it." That’s what Stacey Shaw’s defense attorney said about her embezzlement. We go looking with former NCUA examiner Joshua Herman, who doesn't know how 712 collapsed. Can he find out just from their financials? We explore what the NCUA Office of Inspector General released about their investigation. We hear the question Helen Marinkovic asked 712's board and the answer that, according to her, was their downfall. And who was...
13 Oct 2026
This Difficult Task
Stacey Shaw’s embezzlement, in her own words. Her defense attorney, in his first media interview about the case. An anomaly that no one can explain. And more questions than answers. For show notes and original photography, visit OverdrawnPodcast.com.
6 Oct 2026
In Grand Fashion
Stacey Shaw embezzled nearly $2.1 million from the credit union she ran, using six credit cards she had no authority to open. She raised the limit on one of them 89 times, to more than $1.7 million, and cut its minimum payment to fifty cents. In his first interview about the case, the former federal prosecutor who built it explains how investigators traced the charges. They found almost everything...except a reason. For show notes and original photography, visit OverdrawnPodcast.com.
29 Sept 2026
Page B7
In May 2020, a small credit union in Beaver, Pennsylvania shut down with no warning. But what looked like an ordinary failure was actually a scandal that hid in plain sight for years. How did it happen? One word holds the clue. For show notes and original photography, visit OverdrawnPodcast.com.
7 Aug 2026
Introducing Overdrawn
In 1964, a brotherhood of electrical workers in western Pennsylvania pooled their money and started a credit union. Fifty-six years later, federal regulators shut it down. The scandal made some headlines, then the world moved on. This investigation goes back to the people who had to pick up the pieces, who were left with more questions than answers, because what they were told doesn't add up. We'll take you into the court documents, down rough country roads and through official government rec...
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