State credit union · Aurora, Colorado · NCUA charter #68737
Space Age
Health score 54/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 54
- Health / 100
- $164.4M
- Total assets
- 13,629
- Members
- 6.3%
- Net-worth ratio
Space Age - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #68737: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Space Age - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)57
- Asset quality (delinquency)60
- Earnings (ROA)44
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 54/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
6.29% net worth is short of the NCUA's 7.0% well-capitalized bar for this institution.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 6.29% | 30% |
| Delinquency Rate | 1.68% | 25% |
| Return on Assets | 0.05% | 15% |
| Member Growth | -5.44% | 15% |
| Loan-to-Share Ratio | 72.64% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $164.4M | 13,629 |
| 2024Q4 | $162.4M | 14,413 |
| 2023Q4 | $167.4M | 16,624 |
Credit Union Details
- Charter Number
- 68737
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Colorado
- City
- Aurora
- Data Quarter
- 2025Q4
What This Data Says About Space Age
The five-factor composite scores Space Age at 54/100 (Fair), reflecting a net worth ratio of 6.29% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Aurora, Colorado, reports 13,629 members, $164.4M in total assets, and $109.0M in outstanding loans as of Q4 2025 under charter #68737 (peer group $100M–$500M, a cohort of 1069 similarly-sized institutions).
Loan book quality rounds out the picture. The delinquency rate of 1.68% measures loans 60+ days past due against total loans outstanding - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. The loan-to-share ratio of 72.64% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.05% on net income of $78K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -5.44%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Colorado
Other federally-insured credit unions in Colorado, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Space Age financially healthy?
Space Age has a financial health score of 54/100 (Fair) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 6.29% and delinquency rate of 1.68%.
How does Space Age compare to other credit unions?
PlainCU's health composite puts Space Age at 54/100, compared to a peer group average for $100M–$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 Space Age?
Membership eligibility for Space Age depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Space Age directly for current membership requirements and application steps.
Is my money safe at Space Age?
Federal credit unions like Space Age 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. Space Age's net worth ratio of 6.29% is relative to the 7% threshold NCUA considers "well capitalized."
What rates does Space Age offer compared to banks?
Credit unions like Space Age 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 Space Age directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
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.