Federal credit union · Colorado Spring, Colorado · NCUA charter #10600
Air Academy
Health score 78/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 78
- Health / 100
- $813.2M
- Total assets
- 44,508
- Members
- 8.4%
- Net-worth ratio
Air Academy scores 78/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $813.2M; members 44,508; net-worth ratio 8.44%; health rank #3,028 of 4,374; healthier than 31st of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,028 of 4,374 health · 2025Q4Air Academy · health 78/100 · $813.2M · 2025Q4
- CHARTER 78/100
- NCUSIF 8.4%
- CAMELS 0.35%
- HEALTH -0.24%
- NW $813.2M
- DELQ 44,508
- ROA #3,028/4,374
- ASSETS Mid Minnesota
- MEM 10600
Call Report peers
Air Academy in the assets neighbourhood
Air Academy's $813.2M assets sit next to Mid Minnesota ($815.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Air Academy vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
78 31st percentile higher than 31% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Air Academy - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10600, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Air Academy: Call Report deltas vs peers
- Loan-to-Share Ratio leads the peer set - 89.06% here, 83.90% peer average (+5.16 pp).
- Net Worth Ratio trails the peer set - 8.44% here, 11.18% peer average (-2.74 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Air Academy: in-state Call Report ranks
- Health composite ranks #48 of 66 among scored Colorado credit unions.
- By total assets, Air Academy is #9 of 66 in Colorado.
- Colorado membership ordinal: #9 of 66.
In-state ordinals use the live credit_unions table for CO only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Air Academy Call Report trajectory
Air Academy: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $813.2M (2025Q4) to $825.4M (2026Q1).
- Net-worth ratio shifted -0.03 pp (8.47% → 8.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
8.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 78/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 78.
- Net Worth Ratio 26.1 pts
- Delinquency Rate 25.0 pts
- Return on Assets 2.4 pts
- Member Growth 9.2 pts
- Loan-to-Share Ratio 15.3 pts
Air Academy health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.44% | -2.74 pp |
| Delinquency Rate | 0.35% | -0.52 pp |
| Return on Assets | -0.24% | -0.74 pp |
| Member Growth | 0.13% | - |
| Loan-to-Share Ratio | 89.06% | +5.16 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - Air Academy
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $825.4M | - |
| 2025Q4 | $813.2M | 44,508 |
| 2024Q4 | $818.2M | 44,449 |
| 2023Q4 | $908.0M | 48,789 |
Credit Union Details
- Charter Number
- 10600
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Colorado
- City
- Colorado Spring
- Data Quarter
- 2025Q4
Branch Locations (8)
Air Academy operates 8 offices across 6 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Cordera (Main Office) | Colorado Springs, CO |
| Castle Rock | Castle Rock, CO |
| Cheyenne Mountain | Colorado Springs, CO |
| Garden Ranch | Colorado Springs, CO |
| Highlands Ranch | Highlands Ranch, CO |
| Monument | Monument, CO |
| Parker | Parker, CO |
| AFA Branch | USAF Academy, CO |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Other-state peers near Air Academy
Two NCUA Call Report peer sets for Air Academy, both outside Colorado so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($813.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (78/100 here).
Using this data
- Air Academy ranks #3,028 of 4,374 nationally on financial health and #48 of 66 in CO -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sooper Cu Dba Climb Cu is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sooper Cu Dba Climb Cu
- Rates and health both vary by institution, not just by state -- see how Colorado credit unions compare overall before assuming this one is typical. Colorado state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Air Academy financially healthy?
A 8.44% net worth ratio and a 0.35% delinquency rate feed into Air Academy's financial health score of 78/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,028 of 4,374; by total assets it ranks #547 of 4,374 nationally (same basis as /rankings/largest); and #9 of 66 within Colorado. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Air Academy compare to other credit unions?
PlainCU's health composite puts Air Academy at 78/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Air Academy?
Air Academy operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Air Academy directly for the exact boundaries and application steps.
Is my money safe at Air Academy?
Federal credit unions like Air Academy are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Air Academy's net worth ratio of 8.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Air Academy offer compared to banks?
Credit unions like Air Academy are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Air Academy directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.