Credit Union Safety Analysis
Is Space Coast Credit Union Safe? Melbourne, Florida
Based on its Q2 2026 NCUA 5300 call report, Space Coast Credit Union has a net worth ratio of 11.41%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.80%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Space Coast Credit Union's net worth ratio is 11.41%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 11.41%
- Delinquency ratio (60+ days) (Q2 2026): 0.80%
- Return on assets (Q2 2026): 0.95%
- Loan-to-share ratio (Q2 2026): 97.10%
Space Coast Credit Union (NCUA charter 67297) reported $9.15B in assets and 705,088 members for Q2 2026 from Melbourne, Florida. It ranks 4 of 106 credit unions in Florida by total assets. Total assets fell 0.1% from $9.16B on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 454 credit unions with $1B to $10B in assets: 10.89%; middle half of peers: 9.81% to 12.63%.
Earlier filings: 11.01% for Q1 2026; 10.61% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.68%; middle half of peers: 0.45% to 1.05%.
Earlier filings: 0.63% for Q1 2026; 0.61% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 0.89%; middle half of peers: 0.59% to 1.25%.
Earlier filings: 0.62% for Q1 2026; 0.89% for Q2 2025.
Median of the 454 credit unions with $1B to $10B in assets: 88.03%; middle half of peers: 78.23% to 95.19%.
Earlier filings: 94.46% for Q1 2026; 107.94% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $3.57B
- Used vehicle loans: $1.76B
- New vehicle loans: $1.58B
- Other secured non-real estate loans and lines of credit: $268.0M
- Unsecured credit card loans: $231.5M
- Commercial loans: $62.4M
- Other unsecured loans and lines of credit: $57.2M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $9.15B | 11.41% | 0.80% | 0.95% | 97.10% |
| March 31, 2026 | $9.29B | 11.01% | 0.63% | 0.62% | 94.46% |
| December 31, 2025 | $9.12B | 11.06% | 0.70% | 0.52% | 100.28% |
| September 30, 2025 | $8.91B | 11.24% | 0.64% | 1.28% | 100.34% |
| June 30, 2025 | $9.16B | 10.61% | 0.61% | 0.89% | 107.94% |
| March 31, 2025 | $9.01B | 10.56% | 0.52% | 0.59% | 105.06% |
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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.
Space Coast Credit Union profile
Regulator records: NCUA credit union profile (charter 67297) · FFIEC NIC profile (RSSD 26998)
Frequently asked questions
Is Space Coast Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Space Coast Credit Union's net worth ratio is 11.41%, above the 7% NCUA threshold for well capitalized.
Is Space Coast Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Space Coast Credit Union is a federally insured credit union (NCUA charter 67297): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Space Coast Credit Union's key safety ratios?
For Q2 2026, Space Coast Credit Union reports net worth 11.41%, delinquency 0.80%, ROA 0.95%, loan-to-share 97.10%.
What happens to my money if Space Coast Credit Union fails?
For Q2 2026, Space Coast Credit Union held $7.76B in shares and deposits for 705,088 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.