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
- HEALTH 92/100
- NW 11.0%
- DELQ 0.70%
- ROA 0.53%
- ASSETS $9.12B
- MEM 699,155
- RANK #804/4,374
- PHOTO BROADVIEW
- BOOK 67297
Call Report peers
Space Coast in the assets neighbourhood
Space Coast's $9.12B assets sit next to BROADVIEW ($8.99B) 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.
Space Coast 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
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 - Share Insurance Coverage
Charter #67297's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Space Coast's 5300 filing moved
Space Coast: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.9% from $9.12B (2025Q4) to $9.29B (2026Q1).
- Net-worth ratio shifted -0.05 pp (11.06% → 11.01%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 92.
- 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 |
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).
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
Two NCUA Call Report peer sets for Space Coast, both outside Florida 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 ($9.12B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (92/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida 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 Space Coast financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Space Coast carries a financial health score of 92/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #804 of 4,374; by total assets it ranks #38 of 4,374 nationally (same basis as /rankings/largest); and #3 of 109 within Florida. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.01% net worth ratio and a 0.70% delinquency rate.
How does Space Coast compare to other credit unions?
On PlainCU's health composite, Space Coast lands at 92/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), 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 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?
Federal credit unions like Space Coast 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 Coast's net worth ratio of 11.01% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Space Coast offer compared to banks?
Credit unions like Space Coast 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 Coast 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.