Space Coast Credit Union Melbourne, Florida
Space Coast Credit Union is a state-chartered credit union headquartered in Melbourne, FL (NCUA charter 67297), and it is regulated and insured by the NCUA. At Q2 2026 it reported 705,088 members and total assets of $9.15B (down 0.1% from Q2 2025), the 4th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 11.41% at Q2 2026, in the well capitalized band.
Also written as Space Coast CU · Trade names filed with the NCUA: SCCU and Member's Watchdog
BankRegReports is independent of Space Coast Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67297
- Headquarters
- Melbourne, FL
- Established
- Not reported
- Total assets, Q2 2026
- $9.15B
- Assets vs Q2 2025
- -0.1%
- Members, Q2 2026
- 705,088
- Net worth ratio, Q2 2026
- 11.41%
- Latest call report
- Q2 2026, NCUA 5300 · Space Coast Credit Union call report
- Asset rank in state
- 4th of 106 in Florida
- Routing number
- 263177903
- Branches
- 71
It has 20,768 more members than on June 30, 2025 (+3.0%). Its net worth ratio was up 0.80 percentage points from 10.61% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $3.57B of $7.53B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.80% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.41% net worth ratio is above that band's 10.89% median.
Frequently asked about Space Coast Credit Union
How big is Space Coast Credit Union?
At Q2 2026 it reported total assets of $9.15B and 705,088 members.
Where is Space Coast Credit Union headquartered?
It is headquartered in Melbourne, FL, United States.
Is Space Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67297): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Space Coast Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is Space Coast Credit Union well capitalized?
Its net worth ratio was 11.41% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Space Coast Credit Union's delinquency ratio?
Its delinquency ratio was 0.80% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Space Coast Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 97.10% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Melbourne, FL 32940
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67297
- RSSD ID
- 26998
- Members
- 705,088
- Potential members
- 23,462,518
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.41% | 10.89% | 57th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.95% | 0.89% | 54th above |
| Return on equity Middle half of peers: 5.37% to 10.92% | 8.30% | 8.07% | 52nd above |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.41% | 3.45% | 48th below |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 61.73% | 70.59% | 78th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 1.54% | 1.68% | 62nd above |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.80% | 0.68% | 42nd below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 4.95% | 5.12% | 40th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 97.10% | 88.03% | 79th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$9.15B total assets against $9.16B; $7.76B total shares and deposits against $7.29B; $7.53B total loans against $7.86B.
$1.04B net worth against $972.9M.
11.41% net worth ratio against 10.61%.
97.10% loan-to-share ratio against 107.94%.
0.80% delinquency ratio against 0.61%.
0.95% return on assets against 0.89%; 8.30% return on equity against 8.40%.
3.41% net interest margin against 3.28%.
705,088 members against 684,320.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.41% | 0.95% | 0.80% | 97.10% |
| March 31, 2026 | 11.01% | 0.62% | 0.63% | 94.46% |
| December 31, 2025 | 11.06% | 0.52% | 0.70% | 100.28% |
| September 30, 2025 | 11.24% | 1.28% | 0.64% | 100.34% |
| June 30, 2025 | 10.61% | 0.89% | 0.61% | 107.94% |
| March 31, 2025 | 10.56% | 0.59% | 0.52% | 105.06% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.