Headquartered in Colorado Spring, Colorado, Air Academy Federal Credit Union is a federal credit union with $810.4M in total assets and $720.0M in member shares and deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1955.
Air Academy Federal Credit Union has a TellerScore of 59 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 1,341 credit unions with $100 million – $1 billion. Among 62 credit unions headquartered in Colorado, it ranks 44th. Problem-loan coverage contributes the most (91/100, 4.6%); earnings contributes the least (35/100, 0.36%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (56 → 59), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 49 |
| Q3 2024 | 49 |
| Q4 2024 | 52 |
| Q1 2025 | 53 |
| Q2 2025 | 56 |
| Q3 2025 | 55 |
| Q4 2025 | 58 |
| Q1 2026 | 58 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.87% |
| Q3 2024 | 8.20% |
| Q4 2024 | 8.41% |
| Q1 2025 | 8.11% |
| Q2 2025 | 8.14% |
| Q3 2025 | 8.34% |
| Q4 2025 | 8.47% |
| Q1 2026 | 8.44% |
| Q2 2026 | 8.49% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.60% |
| Q4 2024 | 0.54% |
| Q1 2025 | 0.34% |
| Q2 2025 | 0.38% |
| Q3 2025 | 0.51% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.38% |
| Q2 2026 | 0.41% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.50% |
| Q3 2024 | -0.37% |
| Q4 2024 | -0.23% |
| Q1 2025 | -0.37% |
| Q2 2025 | 0.08% |
| Q3 2025 | 0.14% |
| Q4 2025 | 0.20% |
| Q1 2026 | 0.25% |
| Q2 2026 | 0.36% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $810.4M | 8.49% | 0.41% | 0.36% | 89.9% |
| Q1 2026 | 58 | $825.4M | 8.44% | 0.38% | 0.25% | 87.2% |
| Q4 2025 | 58 | $813.2M | 8.47% | 0.35% | 0.20% | 89.1% |
| Q3 2025 | 55 | $816.9M | 8.34% | 0.51% | 0.14% | 89.1% |
| Q2 2025 | 56 | $830.8M | 8.14% | 0.38% | 0.08% | 88.1% |
| Q1 2025 | 53 | $839.4M | 8.11% | 0.34% | -0.37% | 86.5% |
| Q4 2024 | 52 | $818.2M | 8.41% | 0.54% | -0.23% | 90.0% |
| Q3 2024 | 49 | $850.5M | 8.20% | 0.60% | -0.37% | 93.0% |
| Q2 2024 | 49 | $888.2M | 7.87% | 0.47% | -0.50% | 94.5% |
1,341 peers · $100 million – $1 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Colorado
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sooper CU Dba Climb Credit UnionCredit union Arvada, CO | 66 out of 100, Moderate | $822.8M | 11.6% | 1.39% | vs |
| Partner Colorado Credit UnionCredit union Arvada, CO | 62 out of 100, Moderate | $643.6M | 9.4% | 0.45% | vs |
| On Tap Credit UnionCredit union Golden, CO | 65 out of 100, Moderate | $474.0M | 9.2% | 1.38% | vs |
| Colorado Credit UnionCredit union Littleton, CO | 65 out of 100, Moderate | $442.2M | 10.3% | 0.42% | vs |
| Denver Community CU D.B.A. Zing Credit UnionCredit union Denver, CO | 75 out of 100, Strong | $405.6M | 13.4% | 0.48% | vs |
| Affidian Federal Credit UnionCredit union Denver, CO | 85 out of 100, Very strong | $360.1M | 18.9% | 0.85% | vs |
Deposit insurance
Is my money safe at Air Academy Federal Credit Union?
Yes. Air Academy Federal Credit Union is a federally insured credit union (NCUA charter #10600). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 3.9% of shares and deposits ($28.0M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.
The net worth ratio is 8.49%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Air Academy Federal Credit Union lists 10 offices in 8 cities. Most locations:
- Colorado Springs, CO (3)
- Castle Rock, CO (1)
- Florence, CO (1)
- Highlands Ranch, CO (1)
- Monument, CO (1)
- Parker, CO (1)
- Pueblo, CO (1)
- USAF Academy, CO (1)
HMDA 2025
Mortgage lending
In 2025, Air Academy Federal Credit Union reported 495 home-loan applications under HMDA (LEI 549300ELXS6PBT8OEE44): 368 originated ($87,240,000 total), 38 denied, and 73 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.0%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Air Academy Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 10600
- RSSD ID
- 767581
- Primary regulator
- NCUA
- Established
- 1955
- Headquarters
- PO Box 62910, Colorado Spring, CO 80962
- Employees
- 145
Quick answers
Air Academy Federal Credit Union: common questions
Is Air Academy Federal Credit Union NCUA insured?
Yes. Air Academy Federal Credit Union is a federally insured credit union (NCUA charter #10600). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Air Academy Federal Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Air Academy Federal Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Colorado Spring
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| School District 3 Federal Credit UnionCredit union Colorado Spring, CO | 91 out of 100, Very strong | $36.0M | 15.7% | 0.00% | vs |
| Bank19Bank Memphis, TX | 90 out of 100, Very strong | $147.8M | 15.3% | 0.00% | vs |
| 5Star BankBank Colorado Springs, CO | 87 out of 100, Very strong | $378.2M | 17.2% | 0.16% | vs |
| Pikes Peak National BankBank Colorado Springs, CO | 85 out of 100, Very strong | $110.8M | 15.6% | 0.00% | vs |
| First National Bank ColoradoBank Las Animas, CO | 85 out of 100, Very strong | $634.3M | 11.8% | 0.00% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |