SPACE AGE
Charter #68737 | CO
100M-500M
(1077 CUs)
Micro
($0-$500M)
26 100M-500M in CO
SPACE AGE has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 19.1% in tier
- + Relationship Depth Leader: Top 24.5% in tier
- + Emerging Performer: Top 33.2% in tier
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.6% in tier
- - Membership Headwinds: Bottom 9.1% in tier
- - Credit Quality Pressure: Bottom 9.8% in tier
- - Institutional Decline: Bottom 18.2% in tier
- - Indirect Auto Dependency: Bottom 23.5% in tier
- - Stagnation Risk: Bottom 27.4% in tier
- - ROA 0.71% below tier average
- - Efficiency ratio 12.46% above tier (higher cost structure)
- - Delinquency rate 0.64% above tier average
- - Member decline: -4.2% YoY
- - Net Worth Ratio: Bottom 4.9% in tier
- - Fee Income Per Member: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
14,059
-4.2% YoY-1.2% QoQ
|
-1.6K |
15,628
-3.4% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
52nd in tier |
| Assets |
$163.7M
+1.9% YoY-1.3% QoQ
|
$-67.6M |
$231.3M
-0.0% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
37th in tier |
| Loans |
$108.7M
-2.8% YoY-0.6% QoQ
|
$-39.1M |
$147.8M
-1.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$149.4M
+2.2% YoY-1.4% QoQ
|
$-50.9M |
$200.3M
-0.0% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
41st in tier |
| ROA |
0.1%
+61.7% YoY+2.4% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.0% in tier |
| NIM |
4.0%
+7.3% YoY+2.9% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
75th in tier |
| Efficiency Ratio |
89.7%
-4.5% YoY-0.4% QoQ
|
+12.5% |
77.3%
-3.0% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
Top 10.7% in tier |
| Delinquency Rate |
1.5%
+27.3% YoY+8.2% QoQ
|
+0.6 |
0.9%
+7.6% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
Top 14.3% in tier |
| Loan To Share |
72.8%
-4.9% YoY+0.7% QoQ
|
+0.1% |
72.7%
-1.5% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
46th in tier |
| AMR |
$18,358
+4.5% YoY+0.2% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Bottom 24.9% in tier |
| CD Concentration |
22.3%
+12.2% YoY+1.1% QoQ
|
-2.1% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
20.8%
-64.3% YoY-2.7% QoQ
|
+6.8% |
14.0%
-5.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#528 of 1006 • Top 19.1% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.49%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#676 of 1006 • Top 24.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.49%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.3K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#623 of 627 • Top 33.2% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.07%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (6)
Efficiency Drag
risk
#100 of 521 • Bottom 5.6% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
89.74%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
0.03% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
Membership Headwinds
decline
#150 of 550 • Bottom 9.1% in tier
Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Why This Signature
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
Credit Quality Pressure
risk
#242 of 736 • Bottom 9.8% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.32% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank improving
Institutional Decline
decline
#144 of 256 • Bottom 18.2% in tier
Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Why This Signature
Total Assets:
$163.71M
(Tier: $231.30M, National: $547.69M)
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-2.79%
(Tier:
3.64%, National:
36.38%)
256 of 1077 Community CUs have this signature
| 293 nationally
↓ Shrinking
-43 CUs YoY
|
Rank worsening
Indirect Auto Dependency
risk
#379 of 525 • Bottom 23.5% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
1.89%
(Tier:
4.61%, National:
3.04%)
Indirect Auto %:
20.80%
(Tier:
13.96%, National:
7.90%)
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
525 of 1077 Community CUs have this signature
| 768 nationally
↓ Shrinking
-18 CUs YoY
|
Rank worsening
Stagnation Risk
risk
#451 of 550 • Bottom 27.4% in tier
Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.07%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-4.25%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$18.4K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
22.28%
(Tier:
24.41%, National:
19.60%)
550 of 1077 Community CUs have this signature
| 648 nationally
→ Stable (555→550 CUs)
-5 CUs YoY
|
Rank worsening
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)
Top Strengths (2 metrics)
114
Members Per Employee (MPE)
engagement
Value:
453.516
Peer Avg: 332.881
#114 of 1077
Top 10.5% in 100M-500M tier
244
First Mortgage Concentration (%)
balance_sheet
Value:
15.91%
Peer Avg: 30.43%
#244 of 1077
Top 22.6% in 100M-500M tier
Top Weaknesses (8 metrics)
1025
Net Worth Ratio
risk
Value:
8.19%
Peer Avg: 12.15%
#1025 of 1077
Bottom 4.9% in 100M-500M tier
987
Fee Income Per Member
profitability
Value:
$82.73
Peer Avg: $174.31
#987 of 1077
Bottom 8.4% in 100M-500M tier
980
Return on Assets (ROA)
profitability
Value:
0.07%
Peer Avg: 0.79%
#980 of 1077
Bottom 9.1% in 100M-500M tier
963
Efficiency Ratio
profitability
Value:
89.74%
Peer Avg: 77.28%
#963 of 1077
Bottom 10.7% in 100M-500M tier
949
Member Growth Rate
growth
Value:
-4.25%
Peer Avg: 0.72%
#949 of 1077
Bottom 12.0% in 100M-500M tier
924
Total Delinquency Rate (60+ days)
risk
Value:
1.50%
Peer Avg: 0.86%
#924 of 1077
Bottom 14.3% in 100M-500M tier
843
Loan Growth Rate
growth
Value:
-2.79%
Peer Avg: 3.45%
#843 of 1077
Bottom 21.8% in 100M-500M tier
809
Average Member Relationship (AMR)
engagement
Value:
$18,358
Peer Avg: $24,363
#809 of 1077
Bottom 25.0% in 100M-500M tier