State credit union · Melbourne, Florida · NCUA charter #67297
Space Coast
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $9.12B
- Total assets
- 699,155
- Members
- 11.0%
- Net-worth ratio
Space Coast scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $9.12B; members 699,155; net-worth ratio 11.01%; health rank #804 of 4,374; healthier than 80th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#804 of 4,374 health · 2025Q4Space Coast · health 92/100 · $9.12B · 2025Q4
Call Report peers
Space Coast in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Space Coast vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Space Coast sits in 90-94 with 747 others.
92 Top 20% higher than 80% 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
Space Coast vs Over $500M peers
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +16.38 pp (100.28% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -0.17 pp (11.01% vs 11.18%).
Florida standing for Space Coast
- Florida health ordinal: #35 of 109.
- By total assets, Space Coast is #3 of 109 in Florida.
- Member book place in Florida: #3 of 109.
- One place up in Florida, Community Credit Union of Florida (#34) ties at 92/100; one place down, Champions First (#36) ties at 92/100.
How Space Coast's 5300 filing moved
Space Coast: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.9% from $9.12B (2025Q4) to $9.29B (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.06% → 11.01%).
This credit union's 11.01% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 92/100 score is built
Space Coast gives up 8 points in total. Loan-to-Share Ratio costs the most, 4.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.0 pts
- Return on Assets 15.0 pts
- Member Growth 13.4 pts
- Loan-to-Share Ratio 10.6 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.01% | -0.17 pp |
| Delinquency Rate | 0.70% | -0.18 pp |
| Return on Assets | 0.53% | +0.03 pp |
| Member Growth | 3.63% | - |
| Loan-to-Share Ratio | 100.28% | +16.38 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Space Coast filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.29B | - |
| 2025Q4 | $9.12B | 699,155 |
| 2024Q4 | $8.80B | 674,640 |
| 2023Q4 | $8.95B | 644,296 |
Credit Union Details
- Charter Number
- 67297
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- Melbourne
- Data Quarter
- 2025Q4
Branch Locations (70)
The NCUA branch filing lists 70 physical offices for Space Coast, spread across 41 cities.
| Office | City |
|---|---|
| Space Coast Credit Union-Headquarters (Main Office) | Melbourne, FL |
| Space Coast Credit Union-Boca Raton Mission Bay | Boca Raton, FL |
| Space Coast Credit Union - Camino Real | Boca Raton, FL |
| Space Coast Credit Union-Port St. John | Cocoa, FL |
| Space Coast Credit Union-Cocoa Beach | Cocoa Beach, FL |
| Space Coast Credit Union - Calle Ocho | Coral Gables, FL |
| Space Coast Credit Union-West Coral Springs | Coral Springs, FL |
| Space Coast Credit Union-Cutler Bay | Cutler Bay, FL |
| Space Coast Credit Union-Pine Island | Davie, FL |
| Space Coast Credit Union-Daytona Beach | Daytona Beach, FL |
| Space Coast Credit Union - Latitude Landings | Daytona Beach, FL |
| Space Coast Credit Union - Deland | Deland, FL |
| Space Coast Credit Union - DuPont Lakes | Deltona, FL |
| Space Coast Credit Union-Doral | Doral, FL |
| Space Coast Credit Union-Cypress Creek | Fort Lauderdale, FL |
| Space Coast Credit Union-Ft. Lauderdale | Fort Lauderdale, FL |
| Space Coast Credit Union-Palm Springs (Hialeah) | Hialeah, FL |
| Space Coast Credit Union - Hialeah Gardens | Hialeah Gardens, FL |
| Space Coast Credit Union-Hollywood | Hollywood, FL |
| Space Coast Credit Union - East Hollywood | Hollywood, FL |
| Space Coast Credit Union - Homestead | Homestead, FL |
| Space Coast Credit Union-Indialantic | Indialantic, FL |
| Space Coast Credit Union-Indian Harbour Beach | Indian Harbour Beach, FL |
| Space Coast Credit Union-Margate | Margate, FL |
| Space Coast Credit Union-Melbourne Branch | Melbourne, FL |
| Space Coast Credit Union-Airport Branch | Melbourne, FL |
| Space Coast Credit Union-Baytree Branch | Melbourne, FL |
| Space Coast Credit Union-Palm Bay Wal-Mart | Melbourne, FL |
| Space Coast Credit Union-Viera | Melbourne, FL |
| Space Coast Credit Union - Lake Washington | Melbourne, FL |
| Space Coast Credit Union - Viera South | Melbourne, FL |
| Space Coast Credit Union - Summer Brook | Melbourne, FL |
| Space Coast Credit Union-Merritt Island | Merritt Island, FL |
| Space Coast Credit Union - North Merritt Island | Merritt Island, FL |
| Space Coast Credit Union-Kendall Breeze | Miami, FL |
| Space Coast Credit Union-South Dixie | Miami, FL |
| Space Coast Credit Union-Sunset | Miami, FL |
| Space Coast Credit Union - Bird Road | Miami, FL |
| Space Coast Credit Union - Lago Mar | Miami, FL |
| Space Coast Credit Union-Miami Gardens Wal-Mart | Miami Gardens, FL |
| Space Coast Credit Union-East Miramar Branch | Miramar, FL |
| Space Coast Credit Union-West Miramar | Miramar, FL |
| Space Coast Credit Union-New Smyrna Beach | New Smyrna Beach, FL |
| Space Coast Credit Union-NSB WalMart | New Smyrna Beach, FL |
| Space Coast Credit Union-Skylake | North Miami Beach, FL |
| Space Coast Credit Union-Enterprise Road | Orange City, FL |
| Space Coast Credit Union-Orange City Wal-Mart | Orange City, FL |
| Space Coast Credit Union - Waterford Lakes | Orlando, FL |
| Space Coast Credit Union - Avalon Park | Orlando, FL |
| Space Coast Credit Union-Ormond Beach | Ormond Beach, FL |
| Space Coast Credit Union-Bayside Lakes | Palm Bay, FL |
| Space Coast Credit Union-Palm Bay West | Palm Bay, FL |
| Space Coast Credit Union-Port Malabar | Palm Bay, FL |
| Space Coast Credit Union-Palm Coast West | Palm Coast, FL |
| Space Coast Credit Union - Palm Coast Town Center | Palm Coast, FL |
| Space Coast Credit Union-Patrick Space Force Base | Patrick Air Force Base, FL |
| Space Coast Credit Union-Pembroke Pines Wal-Mart | Pembroke Pines, FL |
| Space Coast Credit Union-Pines Hiatus | Pembroke Pines, FL |
| Space Coast Credit Union - West Pines | Pembroke Pines, FL |
| Space Coast Credit Union-Port Orange East | Port Orange, FL |
| Space Coast Credit Union-Rockledge | Rockledge, FL |
| Space Coast Credit Union--Rockledge South | Rockledge, FL |
| Space Coast Credit Union-Sebastian | Sebastian, FL |
| Space Coast Credit Union-Sunrise | Sunrise, FL |
| Space Coast Credit Union-Titusville | Titusville, FL |
| Space Coast Credit Union-Miracle Mile | Vero Beach, FL |
| Space Coast Credit Union-Vero Beach | Vero Beach, FL |
| Space Coast Credit Union - Oslo | Vero Beach, FL |
| Space Coast Credit Union-NW 36th Street | Virginia Gardens, FL |
| Space Coast Credit Union-Palm Bay NW | West Melbourne, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Space Coast nationwide neighbourhoods
Using this data
- Space Coast ranks #804 of 4,374 nationally on financial health and #35 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- MIDFLORIDA is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with MIDFLORIDA
Frequently Asked Questions
Is Space Coast financially healthy?
Space Coast has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #804 of 4,374 nationally on health and #35 of 109 in Florida. Its net worth ratio is 11.01% and its delinquency rate 0.70%.
How does Space Coast compare to other credit unions?
Space Coast scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (100.28% vs 83.90%). Its widest shortfall is net worth ratio (11.01% vs 11.18%).
How can I join Space Coast?
Membership eligibility for Space Coast depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Space Coast directly for current membership requirements and application steps.
Is my money safe at Space Coast?
Space Coast is a state-chartered credit union; its shares are federally 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 Coast's net worth ratio of 11.01% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.