Space Coast
Melbourne, FL · Charter 67297 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 67 branches
Q2 2026
$9.2BAssets
$7.5BLoans
$7.8BShares
$1.0BNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 76% of credit unions $1B-$10B in assets (rank 104 of 435).
- Widest gap: nonperforming loans / loans trails 60% of credit unions $1B-$10B in assets (rank 260 of 435).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.79%
Rank 227 of 435
Net Interest Margin
3.35%
Rank 232 of 435
Efficiency Ratio
64.99%
Rank 104 of 435
Equity / Assets
11.41%
Rank 171 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.79% | 0.55% | 0.81% | 1.14% | Beats 48% | 227 / 435 | |
| Return on Equity | 6.89% | 5.12% | 7.41% | 9.70% | Beats 44% | 242 / 435 | |
| Net Interest Margin | 3.35% | 3.01% | 3.39% | 3.75% | Beats 47% | 232 / 435 | |
| Efficiency Ratio | 64.99% | 65.25% | 71.39% | 77.86% | Beats 76% | 104 / 435 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.80% | 0.45% | 0.69% | 1.05% | Beats 40% | 260 / 435 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.41% | 9.81% | 10.84% | 12.63% | Beats 61% | 171 / 435 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.41% | 9.81% | 10.84% | 12.63% | Beats 61% | 171 / 435 | |
| Liquidity & Funding |
| Loans / Deposits | 97.10% | 78.33% | 88.38% | 95.61% | 78th pctl | 94 / 435 | |
| Loans / Assets | 82.29% | 67.69% | 74.58% | 80.80% | 84th pctl | 71 / 435 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |