# SPACE COAST
Melbourne, FL · NCUA charter 67297 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/space-coast-67297

Who the members are: state charter, organized 1951, low-income designated. 707,051 members of 23,462,518 potential (3.0% of the field); checking penetration 57% (share draft accounts per 100 members); loans per 100 members 43.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $9.29B |
| Members | 707,051 (3.5% YoY) |
| Full-time staff | 1272 |
| Net worth | $1.02B |
| Net worth ratio | 11.0% (p57 of band) |
| ROA (annualized) | 0.62% (p42 of band) |
| Total delinquency | 0.63% (p51 of band) |
| Net charge-offs (annualized) | 0.81% (p77 of band) |
| Loans / shares | 94% (p78 of band) |
| Cash / assets | 5.5% |
| Borrowings / assets | 4.36% |
| Net interest margin | 3.24% (p46 of band) |
| Operating expense / assets | 2.88% (p31 of band) |
| Vehicles % of loans | 44% (p84 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 83% |
| Third-party paper % of net worth | 264% (p78 of band) |
| Vehicle delinquency | 0.59% (p52 of band) |
| Vehicle NCO | 1.36% (p68 of band) |
| Repossessed % of vehicle book | 0.17% (p78 of band) |
| Real estate % of loans | 47% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 4% |
| Commercial % of net worth | 7% |
| Core shares % of member funds | 51% |
| Certificates % of member funds | 35% |
| Average share balance | $6,215 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $4.4M |
| Loans outstanding per 100 members | 43% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $23,958 |
| Loans granted, annualized | $3.36B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $4.4M outstanding purchased (0.4% of net worth), $10.1M sold and retained. Sold in 7 and bought in 0 of the last 8 quarters. Shares 6.4% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, 3rd-party paper>100% NW |  |
| 2016-06 | 3 | charge-offs p90 |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 2 |  | charge-offs p90 |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 | auto monoline | delinquency 2x band |
| 2017-12 | 4 | charge-offs p90, loans>95% of shares |  |
| 2018-03 | 2 |  | charge-offs p90, loans>95% of shares |
| 2018-06 | 3 | loans>95% of shares |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 2 |  | loans>95% of shares |
| 2019-06 | 2 |  |  |
| 2019-09 | 3 | margin squeeze |  |
| 2019-12 | 4 | net worth falling |  |
| 2020-03 | 4 |  |  |
| 2020-06 | 3 |  | auto monoline |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | margin squeeze |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | net worth falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | net worth falling |  |
| 2022-09 | 4 | loans>95% of shares, leaning on borrowings |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 5 | auto monoline |  |
| 2023-06 | 4 |  | net worth falling |
| 2023-09 | 3 |  | auto monoline |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 3 |  |  |
| 2024-12 | 3 |  |  |
| 2025-03 | 4 | net worth falling |  |
| 2025-06 | 3 |  | net worth falling |
| 2025-09 | 3 |  |  |
| 2025-12 | 2 |  | leaning on borrowings |
| 2026-03 | 2 | net worth falling | loans>95% of shares |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-12 [Space Coast Credit Union expands South Florida presence with new Miami Gardens North branch - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxNODZvcDI2cnZSWkhKQy0tdWd2M01NdXFhT2JjejJ5YzhzRTI0emhpanNuWmxwbXFGSGlrNnJvNGh0R19YbmZWZGc5LWlRdVluaEN5WEJodWxMWGpGM0g4Vk5UZVRaRk9Pb3NuYUFnd2FNRHMzeUlxQ2o0d2oybVRBSUJQbmswOXZKYjhXV2MzV1pjWmJTZVlINS1xN18xajJyeVJMdlFzQ0JBM1NUNFYxRVFjRXkxbW91WU0yN1BwX3V4NlhEcmZWOWkxTWI?oc=5) · CUInsight
- 2026-08-25 [&Barr unleashes latest chapter of Space Coast Credit Union's Watchdog advertising campaign - WBOC TV](https://news.google.com/rss/articles/CBMimgJBVV95cUxPQTNySGY4dTBkQmpmMmNOdElNcEVyRVpJUzRvczJWYURkT0plcUx1b2Y2Z0k2dGJQcTNVUUplempqTTFKLWptakRZcFpLOEh4aGxpeHBPek5XM2E5UjN2UEZ5UkhyYVNNVnFGYnhZbENXZVVacmRzem5WYWYxUGw1WFBZbTM3U24zMXh3cVhFLUlld2NaRF95M0ptRnZ0U0diRnZtTDRfREFNQzh5NmVDcUVwd0FzU05NbXA5Vk05Q3NjRVpYanFZQkJhYzJsUnF1Q0owS0d3RUozX0F4OTRlSFZzOWRsMVFUejZFSl8wRnBrZWRFcDFWM3cxZFBRSmExb2dIbTAwRl9NMElvd2ZvVTNzVWtfRmdXNEE?oc=5) · WBOC TV
- 2026-07-10 [Space Journey - Florida Trend](https://news.google.com/rss/articles/CBMicEFVX3lxTFBMc0g5anNVM3VRMnZvVzZOZDktVnlKWWdxMzZvc3B0TmxrLUtrM2ZoVGJsbkZ3TmNiWUpiVjRlVnd4VDAyTGphNXNqRjNfSDlEeDhHTHpUWnhic3pnQmdLWnNhc2p3cGtXRDlkZUUwWUQ?oc=5) · Florida Trend
- 2026-05-29 [Space Coast Credit Union supports Junior Achievement’s Career Discovery Park - CUInsight](https://news.google.com/rss/articles/CBMitwFBVV95cUxOYXNKZXBNRjczdHdtWENPQ1JJeWZQU3VuS1FoZTJvS3ZzdHk3anliaExLcE5ES1RiNVdCeUxROXFsUkNpb0dvR3FqZGh6aGlNMGUtcGpwWWtjTjY0S0p3NzNpWVpDZ1N6S3R2VlBTRGVVQnlDUVdVcF9XdkxhS0dUOVhQX29qZVY0SS04d2NxVmZRWDgwVnRIUFhVWm9lS3kzUzc4TG02TmZGU2U1YU5mTFFwSkI4MGM?oc=5) · CUInsight
- 2026-03-19 [Space Coast Credit Union sparks financial confidence in next generation at Quest Elementary - CUInsight](https://news.google.com/rss/articles/CBMizAFBVV95cUxQdEVpOGs2aGxsUzNOc2o2cWpvLWx5ZC1ZLWdpbEMyWnlOMmZxOVk2TjJOd3UtNHVQNEdyUGFGclFtNnhIU3VGd3dKYXRtemlzTC1zYVRFTmtfSEd4a3pULWVhMVpuazBLalVWLXlHdzF1R3ZpLVhiT3NLNERRTXRmUkVPUkxLeU5ZeG1Hb3ZUV0NPaUJLYUZfcGNaMTdqdTB1V2V6M1d5REZ6N2ViZGJhN0hjS0pfSS0xQVkxVGdoNVNSR3oyTGFSd3FkbmQ?oc=5) · CUInsight
- 2026-08-14 [Coral Springs Man Charged With Depositing $70,000 in Credit Union Checks That Were Supposed to Be Shredded - TAPinto](https://news.google.com/rss/articles/CBMikAJBVV95cUxQbDM0NjY3SW9LWTFuSnVLZUVpb1lycTNyb0xRZ1hmWEpZWmx3MURSUHpLMTMzbEJMbENsaTNpRVdlaXhNWDNpVW9sS0g3SXRVbllQeFFYSW5pTDJ1SzVnTUxZU0dVVkllQUVZZ2JtRVBFVmdsdGplR1RDcFlZMFhiR0dhOGpCckczUzZIR1JHano5R08xRjgzRXpWQlN6MHlRemI5cGN2ZFVvT0lxTDNWeTQ4cmc0VUxzMnhFRUxqcEJ5MXV5OU1IYnloVFJNWkduUjVmb0FOX3FqZnNRb1hVR1d5MHp5WDl4MVNpS0EtNjZfZ2ZfMWVFV3dXV3lmWWM1VkdjeFh4aDRaV043OEZhMQ?oc=5) · TAPinto
- 2025-08-19 [Space Coast Credit Union Leases 5,158 SF of Space at Waterford Park in East Orlando, Florida - citybiz.co](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQMVIyanh6WHNweG93ZVVpYTNpX19JR3RXZFpJQnQydGljN0hwejZjeDhRYkhrby1aWk92T2RyWUxIN0U3TXVISW00RTFkSVg5SlhWTFUzbkxnel9sSy1GeWhIQ3FjUnZRLVlHeHhvWXowLTVsOFFhWE1vRWE3b202Z0dUVmN6TzQ4Rkw1T0cxaExxeC1DX1Q3TGk5SjNvWEpJYlJBTGJyeGhTVkxjSGJJVzBWeEN5NDdiY2FOQm5OTlJtQVRiYXhkNw?oc=5) · citybiz.co
- 2026-02-20 [Packal joins team at Oak Ridge Treatment - Florida Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxNRHl6M3ZVclpZUWM3YjFQZXRFOTZneER6bUpqUmtObElPbHJ3SEtSc0FMbVA1MXpzOGtQX244NklZREJnYWhTeDExYjF3OFlRV0lLUVJWVzZ4cDJMS2pGM0V3UW9sWDl1MnNKV05UM1o5TGNFM2d3QmlhTVYwQk9CZ0VZeS1ldUtBbzBBTW8yaFhhVVFtOXYxZmh2Z2ZJVzBkelA2ck9MLXJPZmtpRm5aQURwTWo2bkYxVWNTaWVR?oc=5) · Florida Today

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67297 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/33.json (key "67297", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67297
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide