Credit Union Safety Analysis
Is Air Academy Federal Credit Union Safe? Colorado Springs, Colorado
Based on its Q2 2026 NCUA 5300 call report, Air Academy Federal Credit Union has a net worth ratio of 8.49%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.41%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Air Academy Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Air Academy Federal Credit Union's net worth ratio is 8.49%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.49%
- Delinquency ratio (60+ days) (Q2 2026): 0.41%
- Return on assets (Q2 2026): 0.47%
- Loan-to-share ratio (Q2 2026): 89.85%
Air Academy Federal Credit Union (NCUA charter 10600, established 1955) reported $810.4M in assets and 43,965 members for Q2 2026 from Colorado Springs, Colorado. It ranks 10 of 61 credit unions in Colorado by total assets. Total assets fell 2.4% from $830.8M on June 30, 2025. It has 782 fewer members than on June 30, 2025 (-1.7%). Its net worth ratio was up 0.35 percentage points from 8.14% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $361.2M of $646.9M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.41% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 8.44% for Q1 2026; 8.14% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 0.38% for Q1 2026; 0.38% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: 0.25% for Q1 2026; 0.54% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 87.20% for Q1 2026; 88.11% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $361.2M
- Used vehicle loans: $110.4M
- Commercial loans: $91.8M
- Other unsecured loans and lines of credit: $50.7M
- New vehicle loans: $24.8M
- Non-federally guaranteed student loans: $4.7M
- Unsecured credit card loans: $1.9M
- Other secured non-real estate loans and lines of credit: $1.4M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $810.4M | 8.49% | 0.41% | 0.47% | 89.85% |
| March 31, 2026 | $825.4M | 8.44% | 0.38% | 0.25% | 87.20% |
| December 31, 2025 | $813.2M | 8.47% | 0.35% | 0.36% | 89.06% |
| September 30, 2025 | $816.9M | 8.34% | 0.51% | 0.26% | 89.14% |
| June 30, 2025 | $830.8M | 8.14% | 0.38% | 0.54% | 88.11% |
| March 31, 2025 | $839.4M | 8.11% | 0.34% | -0.37% | 86.45% |
Add this badge to your website
Free to use. It shows Air Academy Federal 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.
Air Academy Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 10600) · FFIEC NIC profile (RSSD 767581)
Frequently asked questions
Is Air Academy Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Air Academy Federal Credit Union's net worth ratio is 8.49%, above the 7% NCUA threshold for well capitalized.
Is Air Academy Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Air Academy Federal Credit Union is a federally insured credit union (NCUA charter 10600): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Air Academy Federal Credit Union's key safety ratios?
For Q2 2026, Air Academy Federal Credit Union reports net worth 8.49%, delinquency 0.41%, ROA 0.47%, loan-to-share 89.85%.
What happens to my money if Air Academy Federal Credit Union fails?
For Q2 2026, Air Academy Federal Credit Union held $720.0M in shares and deposits for 43,965 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.