Space Coast Credit Union
Total assets
$9.29B
▲ +3.1% YoY
Shares & deposits
$7.73B
▲ +6.4% YoY
Loans
$7.30B
▼ -4.3% YoY
Members
707,051
▲ +3.5% YoY
ROA (annualized)
0.62%
peers 0.71%
ROE (annualized)
5.60%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +3.1% | +5.1% | -2.1 pts |
| Share growth (YoY) | +6.4% | +4.9% | +1.6 pts |
| Loan growth (YoY) | -4.3% | +5.4% | -9.8 pts |
| ROA | 0.62% | 0.71% | -0.1 pts |
| ROE | 5.6% | 6.3% | -0.7 pts |
ROA ranks in the 42nd percentile of its peer group · Q1 2026
Profile
- Established
- 1951
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 8045 N Wickham Rd, Melbourne, FL, 32940
- NCUA charter #
- 67297
- RSSD ID
- 26998
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.29B | $7.73B | $7.30B | $1.02B | $14.3M | 0.62% | 3.24% | 0.63% | 707,051 |
| Q4 2025 | $9.12B | $7.50B | $7.52B | $1.01B | $74.3M | 0.82% | 3.27% | 0.70% | 699,155 |
| Q3 2025 | $8.91B | $7.32B | $7.34B | $1.00B | $62.4M | 0.93% | 3.30% | 0.64% | 692,562 |
| Q2 2025 | $9.16B | $7.29B | $7.86B | $972.9M | $33.8M | 0.74% | 3.11% | 0.61% | 684,320 |
| Q1 2025 | $9.01B | $7.26B | $7.63B | $952.4M | $13.4M | 0.59% | 2.99% | 0.52% | 683,193 |
| Q4 2024 | $8.80B | $7.22B | $7.40B | $939.1M | $48.8M | 0.55% | 2.88% | 0.63% | 674,640 |
| Q3 2024 | $8.81B | $7.26B | $7.18B | $940.4M | $45.1M | 0.68% | 2.82% | 0.52% | 667,013 |
| Q2 2024 | $9.08B | $7.32B | $7.69B | $914.9M | $19.6M | 0.43% | 2.72% | 0.45% | 657,412 |
Loan mix (Q1 2026): real estate $3.46B · commercial $69.9M · consumer $3.51B · securities $598.0M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Space Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.62% | 0.71% | 42th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 6.3% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.24% | 3.32% | 46th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 68.7% | 73.0% | 34th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Space Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Space Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Space Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Space Coast Credit Union | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
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