SUNCOAST

Charter #68645 | FL

10B+ (21 CUs) Titans (21 CUs)
2 10B+ in FL

SUNCOAST has 9 strengths but faces 3 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 3.7% in tier
  • + Wallet Share Momentum: Top 28.1% in tier
  • + Relationship Depth Leader: Top 37.5% in tier
  • + ROA 0.40% above tier average
  • + Net Interest Margin 0.46% above tier average
  • + Strong member growth: 8.3% YoY
  • + Efficiency Ratio: Top 4.8% in tier
  • + Member Growth Rate: Top 4.8% in tier
  • + Loan Growth Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 4.9% in tier
  • - Credit Quality Pressure: Bottom 17.7% in tier
  • - Indirect Auto Dependency: Bottom 20.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (FL) National Avg Tier Percentile
Members 1,351,821
+8.3% YoY+2.0% QoQ
 -470.6K 1,822,416
+4.1% YoY
 69,671
+4.3% YoY
 33,089
+6.1% YoY
 62nd in tier
Assets $19.1B
+3.4% YoY+0.9% QoQ
 $-9.7B $28.7B
+4.2% YoY
 $1.1B
+3.8% YoY
 $547.7M
+7.8% YoY
 52nd in tier
Loans $15.0B
+15.0% YoY+4.2% QoQ
 $-6.1B $21.1B
+5.8% YoY
 $773.4M
+7.4% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $16.7B
+9.2% YoY+0.3% QoQ
 $-7.7B $24.4B
+7.2% YoY
 $908.2M
+6.5% YoY
 $464.6M
+9.3% YoY
 57th in tier
ROA 1.2%
+33.3% YoY+7.6% QoQ
 +0.4% 0.8%
+17.7% YoY
 0.6%
+15.9% YoY
 0.7%
+273.4% YoY
 Top 19.0% in tier
NIM 3.6%
+19.9% YoY+2.1% QoQ
 +0.5% 3.1%
+10.6% YoY
 3.6%
+6.7% YoY
 3.7%
+5.0% YoY
 71st in tier
Efficiency Ratio 52.8%
-0.8% YoY-1.1% QoQ
 -11.5% 64.3%
-4.3% YoY
 79.0%
+0.0% YoY
 79.1%
-3.3% YoY
 Bottom 4.8% in tier
Delinquency Rate 0.9%
+7.4% YoY+12.0% QoQ
 -0.3 1.2%
+9.7% YoY
 0.7%
+3.1% YoY
 1.2%
-0.9% YoY
 Bottom 23.8% in tier
Loan To Share 89.8%
+5.3% YoY+3.9% QoQ
 -0.0% 89.8%
-0.3% YoY
 71.2%
+0.4% YoY
 68.0%
-1.7% YoY
 43rd in tier
AMR $23,468
+3.2% YoY+0.1% QoQ
 $-8K $31,184
+7.8% YoY
 $22,283
+3.7% YoY
 $19,418
+1.3% YoY
 Bottom 23.8% in tier
CD Concentration 33.0%
+11.1% YoY+3.6% QoQ
 +1.1% 31.9%
+2.0% YoY
 23.4%
+4.5% YoY
 19.6%
+6.2% YoY
 48th in tier
Indirect Auto % 27.7%
+14.2% YoY+4.0% QoQ
 +13.5% 14.2%
-8.9% YoY
 10.9%
-1.4% YoY
 7.9%
-2.9% YoY
 Top 23.8% in tier

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#3 of 18 • Top 3.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 8.32%
(Tier: 3.59%, National: 9.37%)
better than tier avg
Return on Assets: 1.16%
(Tier: 0.76%, National: 0.71%)
better than tier avg
Indirect Auto %: 27.73%
(Tier: 14.25%, National: 7.90%)
but worse than tier avg
18 of 21 Titans CUs have this signature | 917 nationally
→ Stable (18→18 CUs) | Rank improving

Wallet Share Momentum

growth
#10 of 14 • Top 28.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 3.24%
(Tier: 2.80%, National: 4.19%)
better than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Relationship Depth Leader

growth
#13 of 14 • Top 37.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 3.24%
(Tier: 2.80%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.0K
(Tier: $2.9K, National: $2.0K)
but worse than tier avg
14 of 21 Titans CUs have this signature | 1330 nationally
↑ Growing +8 CUs YoY | New qualifier

Concerns (3)

Growth-at-Risk

risk
#3 of 14 • Bottom 4.9% in tier

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

Why This Signature
Loan Growth (YoY): 14.96%
(Tier: 6.37%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.06% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
14 of 21 Titans CUs have this signature | 646 nationally
→ Stable (13→14 CUs) +1 CUs YoY | Rank improving

Credit Quality Pressure

risk
#10 of 15 • Bottom 17.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.06% points
(Tier: 0.10% points, National: 0.07% points)
but better than tier avg
15 of 21 Titans CUs have this signature | 1002 nationally
↓ Shrinking -6 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#6 of 8 • Bottom 20.0% in tier

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

Why This Signature
Asset Growth (YoY): 3.38%
(Tier: 4.36%, National: 3.04%)
worse than tier avg
Indirect Auto %: 27.73%
(Tier: 14.25%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 8.32%
(Tier: 3.59%, National: 9.37%)
but better than tier avg
8 of 21 Titans CUs have this signature | 768 nationally
→ Stable (8→8 CUs)

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 21 peers in tier

Top Strengths (9 metrics)

2
Efficiency Ratio
profitability
Value: 52.82%
Peer Avg: 64.29%
#2 of 21 Top 4.8% in 10B+ tier
2
Member Growth Rate
growth
Value: 8.32%
Peer Avg: 3.59%
#2 of 21 Top 4.8% in 10B+ tier
2
Loan Growth Rate
growth
Value: 14.96%
Peer Avg: 6.37%
#2 of 21 Top 4.8% in 10B+ tier
4
Return on Assets (ROA)
profitability
Value: 1.16%
Peer Avg: 0.76%
#4 of 21 Top 14.3% in 10B+ tier
4
First Mortgage Concentration (%)
balance_sheet
Value: 30.86%
Peer Avg: 41.28%
#4 of 21 Top 14.3% in 10B+ tier
5
Members Per Employee (MPE)
engagement
Value: 523.556
Peer Avg: 499.855
#5 of 21 Top 19.0% in 10B+ tier
6
Net Interest Margin (NIM)
profitability
Value: 3.57%
Peer Avg: 3.11%
#6 of 21 Top 23.8% in 10B+ tier
6
Deposit Growth Rate
growth
Value: 9.18%
Peer Avg: 6.48%
#6 of 21 Top 23.8% in 10B+ tier
6
Total Delinquency Rate (60+ days)
risk
Value: 0.85%
Peer Avg: 1.18%
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (2 metrics)

18
Net Charge-Off Rate
risk
Value: 1.22%
Peer Avg: 0.85%
#18 of 21 Bottom 19.0% in 10B+ tier
17
Indirect Auto Concentration (%)
balance_sheet
Value: 27.73%
Peer Avg: 14.25%
#17 of 21 Bottom 23.8% in 10B+ tier