SPACE COAST

Charter #67297 | FL

7B-10B (30 CUs) Large (64 CUs)
2 7B-10B in FL

SPACE COAST has 3 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 18.2% in tier
  • + Net Interest Margin 0.25% above tier average
  • + Total Members: Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 10.4% in tier
  • - Liquidity Strain: Bottom 10.6% in tier
  • - Credit Quality Pressure: Bottom 12.3% in tier
  • - Indirect Auto Dependency: Bottom 14.1% in tier
  • - Growth-at-Risk: Bottom 17.5% in tier
  • - ROA 0.11% below tier average
  • - Indirect Auto Concentration (%): Bottom 6.7% in tier
  • - Average Member Relationship (AMR): Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 692,562
+3.8% YoY+1.2% QoQ
 +233.3K 459,296
+3.8% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 Top 3.3% in tier
Assets $8.9B
+1.1% YoY-2.8% QoQ
 $-13.1M $8.9B
+1.2% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 40th in tier
Loans $7.3B
+2.3% YoY-6.7% QoQ
 +$999.6M $6.3B
+2.9% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 Top 20.0% in tier
Deposits $7.3B
+0.8% YoY+0.4% QoQ
 $-137.5M $7.5B
+2.3% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 40th in tier
ROA 0.9%
+37.0% YoY+23.8% QoQ
 -0.1% 1.0%
+22.1% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 53rd in tier
NIM 3.3%
+17.2% YoY+3.6% QoQ
 +0.2% 3.0%
+11.5% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 63rd in tier
Efficiency Ratio 63.6%
-1.2% YoY-4.0% QoQ
 -0.1% 63.7%
-2.2% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 53rd in tier
Delinquency Rate 0.6%
+22.9% YoY+5.1% QoQ
 -0.0 0.7%
+10.8% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 43rd in tier
Loan To Share 100.3%
+1.5% YoY-7.0% QoQ
 +14.9% 85.4%
+0.7% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 Top 16.7% in tier
AMR $21,163
-2.2% YoY-4.4% QoQ
 $-12K $33,660
-2.9% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 6.7% in tier
CD Concentration 33.2%
+2.9% YoY+4.7% QoQ
 +4.4% 28.9%
-1.3% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 67th in tier
Indirect Auto % 40.7%
-11.4% YoY-12.3% QoQ
 +24.1% 16.6%
-10.3% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 3.1% in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#28 of 50 • Top 18.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.83%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.92%
(Tier: 0.91%, National: 0.71%)
better than tier avg
Indirect Auto %: 40.72%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Concerns (5)

Shrinking Wallet Share

decline
#6 of 15 • Bottom 10.4% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -2.22%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY

Liquidity Strain

risk
#10 of 32 • Bottom 10.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 100.34%
(Tier: 84.48%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.27%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
32 of 64 Large CUs have this signature | 484 nationally
→ Stable (27→32 CUs) +5 CUs YoY

Credit Quality Pressure

risk
#16 of 34 • Bottom 12.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#15 of 33 • Bottom 14.1% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.14%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 40.72%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 3.83%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

Growth-at-Risk

risk
#18 of 25 • Bottom 17.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 2.27%
(Tier: 4.99%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.12% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
25 of 64 Large CUs have this signature | 646 nationally
↓ Shrinking -13 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 30 peers in tier

Top Strengths (4 metrics)

1
Total Members
engagement
Value: 692,562
Peer Avg: 459,296
#1 of 30 Top 0.0% in 7B-10B tier
5
Loan-to-Share Ratio
balance_sheet
Value: 100.34%
Peer Avg: 85.44%
#5 of 30 Top 13.3% in 7B-10B tier
5
Members Per Employee (MPE)
engagement
Value: 557.618
Peer Avg: 450.512
#5 of 30 Top 13.3% in 7B-10B tier
6
Total Loans
balance_sheet
Value: $7.34B
Peer Avg: $6.34B
#6 of 30 Top 16.7% in 7B-10B tier

Top Weaknesses (6 metrics)

29
Indirect Auto Concentration (%)
balance_sheet
Value: 40.72%
Peer Avg: 18.85%
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Average Member Relationship (AMR)
engagement
Value: $21,163
Peer Avg: $33,660
#28 of 30 Bottom 10.0% in 7B-10B tier
26
Fee Income Per Member
profitability
Value: $144.15
Peer Avg: $199.46
#26 of 30 Bottom 16.7% in 7B-10B tier
26
Deposit Growth Rate
growth
Value: 0.78%
Peer Avg: 4.48%
#26 of 30 Bottom 16.7% in 7B-10B tier
26
AMR Growth Rate
growth
Value: -2.22%
Peer Avg: 1.77%
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Loan-to-Member Ratio (LMR)
engagement
Value: $10,600
Peer Avg: $15,544
#25 of 30 Bottom 20.0% in 7B-10B tier