BlastPoint's Credit Union Scorecard

SUNCOAST

Charter #68645 · FL

Titans 10B+

24 CUs in 10B+ nationally 2 in FL

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SUNCOAST has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

FL Analysis

How does FL stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.35% above tier average
+ Strong member growth: 7.2% YoY

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 16.7% in tier
- Credit Quality Pressure: Bottom 20.8% in tier
- Indirect Auto Dependency: Bottom 37.5% in tier
- Margin Compression: Bottom 54.2% in tier
- ROA 0.14% below tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Members	1,389,633 +7.2% YoY+0.9% QoQ	-323.0K	1,712,610 -8.0% YoY	74,034 +8.9% YoY	33,913 +5.7% YoY	62%
Assets	$20.5B +9.3% YoY+4.3% QoQ	$-7.6B	$28.2B -3.2% YoY	$1.2B +11.7% YoY	$578.3M +9.0% YoY	58%
Loans	$16.0B +15.2% YoY+2.5% QoQ	$-4.1B	$20.2B -4.4% YoY	$841.5M +13.6% YoY	$402.4M +8.7% YoY	58%
Deposits	$18.2B +9.0% YoY+4.7% QoQ	$-5.9B	$24.1B -2.9% YoY	$1.0B +12.4% YoY	$494.3M +9.1% YoY	58%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% -22.0% YoY-31.5% QoQ	-0.1%	0.9% +31.5% YoY	0.6% -11.7% YoY	0.4% -39.2% YoY	46%
NIM	3.5% +2.6% YoY-0.1% QoQ	+0.3%	3.2% +4.6% YoY	3.6% +2.7% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	55.0% +0.4% YoY+3.9% QoQ	-8.8%	63.9% -3.7% YoY	80.0% +2.7% YoY	84.6% +2.8% YoY	Top 12.5% in tier
Delinquency Rate	0.9% +31.2% YoY-11.5% QoQ	-0.1	0.9% -6.9% YoY	0.6% +6.2% YoY	1.2% +3.4% YoY	42%
Loan To Share	88.2% +5.7% YoY-2.1% QoQ	+2.2%	86.0% -3.3% YoY	70.1% +1.4% YoY	65.6% -1.4% YoY	46%
AMR	$24,584 +4.3% YoY+2.7% QoQ	$-8K	$32,099 +9.5% YoY	$23,044 +4.5% YoY	$19,920 +1.6% YoY	21%
CD Concentration	35.1% +12.0% YoY+0.2% QoQ	+4.9%	30.2%	24.4%	19.8%	71%
Indirect Auto %	29.3% +13.2% YoY+2.1% QoQ	+14.3%	14.9%	10.8%	7.7%	75%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#3 of 16 • Bottom 16.7% in tier

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

Why This Signature

Loan Growth (YoY): 15.23%

(Tier: 12.96%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

16 of 24 Titans CUs have this signature | 710 nationally

→ No prior data (16 CUs now) | New qualifier

Credit Quality Pressure

risk

#5 of 19 • Bottom 20.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.07% points, National: 0.12% points)

worse than tier avg

19 of 24 Titans CUs have this signature | 1013 nationally

↑ Growing +6 CUs YoY

Margin Compression

decline

#2 of 3 • Bottom 54.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.76%

(Tier: 0.90%, National: 0.39%)

worse than tier avg

ROA (Prior Year): 0.97%

(Tier: 0.78%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.11% points, National: -0.45% points)

worse than tier avg

3 of 24 Titans CUs have this signature | 162 nationally

→ No prior data (3 CUs now) | New qualifier

Indirect Auto Dependency

risk

#7 of 9 • Bottom 37.5% in tier

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

Why This Signature

Asset Growth (YoY): 9.31%

(Tier: 14.88%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.25%

(Tier: 14.95%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.17%

(Tier: 8.10%, National: 10.19%)

worse than tier avg

9 of 24 Titans CUs have this signature | 745 nationally

→ Stable (8→9 CUs) +1 CUs YoY

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)

Compare against:

Comparing against 24 peers in tier

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 55.03%

Peer Median: 62.83%

#4 of 24 Top 12.5% in 10B+ tier

Member Growth Rate

growth

Value: 7.17%

Peer Median: 4.08%

#4 of 24 Top 12.5% in 10B+ tier

Loan Growth Rate

growth

Value: 15.23%

Peer Median: 6.79%

#4 of 24 Top 12.5% in 10B+ tier

First Mortgage Concentration (%)

balance_sheet

Value: 30.36%

Peer Median: 40.76%

#5 of 24 Top 16.7% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 531.612

Peer Median: 449.876

#5 of 24 Top 16.7% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 3.54%

Peer Median: 3.08%

#6 of 24 Top 20.8% in 10B+ tier

Deposit Growth Rate

growth

Value: 8.99%

Peer Median: 6.81%

#7 of 24 Top 25.0% in 10B+ tier

Top Weaknesses (4 metrics)

Net Charge-Off Rate

risk

Value: 1.42%

Peer Median: 0.74%

#22 of 24 Bottom 12.5% in 10B+ tier

Fee Income Per Member

profitability

Value: $116.54

Peer Median: $155.40

#19 of 24 Bottom 25.0% in 10B+ tier

Indirect Auto Concentration (%)

balance_sheet

Value: 29.25%

Peer Median: 10.97%

#19 of 24 Bottom 25.0% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $24,584

Peer Median: $30,258

#19 of 24 Bottom 25.0% in 10B+ tier