BlastPoint's Credit Union Scorecard
SUNCOAST
Charter #68645 · FL
SUNCOAST has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does FL stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Strong member growth: 6.3% YoY
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 24.0% in tier
- - Credit Quality Pressure: Bottom 32.0% in tier
- - Indirect Auto Dependency: Bottom 32.0% in tier
- - Margin Compression: Bottom 60.0% in tier
- - ROA 0.15% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 25 credit unions with $10B+ in assets nationally, and 1 of 2 that size in Florida.
- Shares and deposits +9.9% year over year ($18.3B in shares and deposits).
- Membership: 1,408,203 members, +6.3% vs a year ago.
- Delinquency rate 0.92%.
- Return on assets 0.87%.
- Efficiency ratio 54.62% vs a 61.57% peer average.
- Loan-to-share ratio 88.75% vs a 87.50% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,408,203
+6.3% YoY+1.3% QoQ
|
-263.7K |
1,671,910
-4.2% YoY
|
74,629
+8.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$20.8B
+10.0% YoY+1.2% QoQ
|
$-6.9B |
$27.7B
+0.2% YoY
|
$1.2B
+11.8% YoY
|
$593.1M
+10.2% YoY
|
60% |
| Loans |
$16.3B
+12.9% YoY+1.5% QoQ
|
$-3.8B |
$20.0B
-0.9% YoY
|
$865.0M
+13.2% YoY
|
$418.6M
+10.1% YoY
|
60% |
| Deposits |
$18.3B
+9.9% YoY+0.9% QoQ
|
$-5.2B |
$23.5B
+0.4% YoY
|
$1.0B
+12.3% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.9%
-19.2% YoY+15.1% QoQ
|
-0.2% |
1.0%
+45.0% YoY
|
0.7%
+7.2% YoY
|
1.2%
+121.4% YoY
|
40% |
| NIM |
3.5%
+1.6% YoY+0.1% QoQ
|
+0.3% |
3.2%
+5.4% YoY
|
3.6%
+3.4% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
54.6%
+2.2% YoY-0.8% QoQ
|
-6.9% |
61.6%
-6.2% YoY
|
79.7%
+3.1% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
0.9%
+20.5% YoY+7.5% QoQ
|
-0.1 |
1.0%
-2.7% YoY
|
0.7%
+5.6% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
88.8%
+2.7% YoY+0.6% QoQ
|
+1.3% |
87.5%
-3.0% YoY
|
70.8%
+0.7% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$24,558
+4.7% YoY-0.1% QoQ
|
$-8K |
$32,850
+5.7% YoY
|
$23,115
+4.1% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
35.7%
+12.2% YoY+1.9% QoQ
|
+5.6% | 30.2% | 24.7% | 20.0% | 76% |
| Indirect Auto % |
28.7%
+7.5% YoY-2.0% QoQ
|
+13.7% | 15.0% | 10.8% | 7.7% | 76% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)