TellerScore

Space Coast Credit Union (NCUA charter #67297) is based in Melbourne, Florida. Its Q2 2026 call report shows $9.2B in total assets and $7.8B in member shares and deposits and 54 offices.

Space Coast Credit Union has a TellerScore of 66 out of 100 (moderate) based on Q2 2026 data — higher than only 44% of its 454 credit unions with $1 billion – $10 billion. Among 107 credit unions headquartered in Florida, it ranks 69th. Problem-loan coverage contributes the most (87/100, 6.3%); earnings contributes the least (51/100, 0.79%).

TellerScore · Q2 2026

Scorecard

Capital cushion64/100
Net worth ratio: 11.41%
Loan quality73/100
Loans 60+ days delinquent ÷ total loans: 0.80%
Earnings51/100
Return on assets (annualized): 0.79%
Funding & liquidity63/100
Loans ÷ shares: 97.1% · 6.9% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.28%

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 2 points (64 → 66), mostly because the funding & liquidity component improved by 11 points.

TellerScore
616568Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202466
Q4 202463
Q1 202564
Q2 202564
Q3 202568
Q4 202566
Q1 202666
Q2 202666
Net worth ratio
7.00%9.21%11.41%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.06%
Q3 202410.66%
Q4 202410.66%
Q1 202510.56%
Q2 202510.61%
Q3 202511.24%
Q4 202511.06%
Q1 202611.01%
Q2 202611.41%
Delinquent loans (60+ days)
0.45%0.63%0.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.45%
Q3 20240.52%
Q4 20240.63%
Q1 20250.52%
Q2 20250.61%
Q3 20250.64%
Q4 20250.70%
Q1 20260.63%
Q2 20260.80%
Return on assets
0.43%0.68%0.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.68%
Q4 20240.55%
Q1 20250.59%
Q2 20250.74%
Q3 20250.93%
Q4 20250.82%
Q1 20260.62%
Q2 20260.79%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$9.2B11.41%0.80%0.79%97.1%
Q1 202666$9.3B11.01%0.63%0.62%94.5%
Q4 202566$9.1B11.06%0.70%0.82%100.3%
Q3 202568$8.9B11.24%0.64%0.93%100.3%
Q2 202564$9.2B10.61%0.61%0.74%107.9%
Q1 202564$9.0B10.56%0.52%0.59%105.1%
Q4 202463$8.8B10.66%0.63%0.55%102.6%
Q3 202466$8.8B10.66%0.52%0.68%98.9%
Q2 202461$9.1B10.06%0.45%0.43%105.0%

454 peers · $1 billion – $10 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).

Capital ratio11.41%
61st
Problem loans0.80%
40th
Net charge-offs0.77%
26th
Return on assets0.79%
48th
Loans to deposits97.1%
21st
Uninsured deposits6.9%
72nd
Loan-loss reserves0.00%
50th
Texas ratio6.3%
36th

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Midflorida Credit UnionCredit union Lakeland, FL72 out of 100, Strong$9.8B10.7%0.46%vs
Fairwinds Credit UnionCredit union Orlando, FL73 out of 100, Strong$5.3B11.2%0.46%vs
Campus USA Credit UnionCredit union Gainesville, FL76 out of 100, Strong$4.0B12.3%0.38%vs
Grow Financial Federal Credit UnionCredit union Tampa, FL68 out of 100, Moderate$3.9B11.2%0.60%vs
Addition Financial Credit UnionCredit union Lake Mary, FL61 out of 100, Moderate$3.8B10.0%1.40%vs
Achieva Credit UnionCredit union Dunedin, FL68 out of 100, Moderate$3.2B9.9%0.35%vs

Deposit insurance

Is my money safe at Space Coast Credit Union?

Yes. Space Coast Credit Union is a federally insured credit union (NCUA charter #67297). 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 6.9% of shares and deposits ($534.3M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.

The net worth ratio is 11.41%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

54 locations

Branches

Space Coast Credit Union lists 54 offices in 33 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Space Coast Credit Union reported 10,981 home-loan applications under HMDA (LEI 549300VN9E1DEKF26E34): 5,900 originated ($1,073,680,000 total), 3,598 denied, and 771 withdrawn or closed by the applicant. Its denial rate on decided applications was 35.2%, 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
Space Coast Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67297
RSSD ID
26998
Primary regulator
State + NCUA
Established
1951
Headquarters
8045 N Wickham Rd, Melbourne, FL 32940
Employees
1,301

Quick answers

Space Coast Credit Union: common questions

Is Space Coast Credit Union NCUA insured?

Yes. Space Coast Credit Union is a federally insured credit union (NCUA charter #67297). 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 Space Coast Credit Union's TellerScore?

66 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 Space Coast Credit Union have?

54 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Melbourne

InstitutionScoreAssetsCapitalProblem loansCompare
Cypress Bank & TrustBank Melbourne, FL79 out of 100, Strong$256.8M11.8%0.00%vs
Community Credit Union of FloridaCredit union Rockledge, FL70 out of 100, Strong$1.4B11.3%0.22%vs
SouthState Bank, National AssociationBank Winter Haven, FL68 out of 100, Moderate$68.8B10.3%0.54%vs
Sunrise BankBank Orlando, FL68 out of 100, Moderate$622.9M9.5%0.10%vs
United Community BankBank Greenville, SC67 out of 100, Moderate$29.0B9.5%0.51%vs
Community Bank of the SouthBank Merritt Island, FL67 out of 100, Moderate$266.5M9.5%0.00%vs