BlastPoint's Credit Union Scorecard
SUNCOAST
Charter #68645 · FL
SUNCOAST has 9 strengths but faces 3 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
- + Organic Growth Engine: Top 3.7% in tier
- + Profitability Leader: Top 60.0% in tier
- + Credit Quality Leader: Top 100.0% 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
- - Credit Risk Growth: 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
|
62% |
| 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
|
52% |
| 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
|
52% |
| 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
|
57% |
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| 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
|
81% |
| 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
|
71% |
| 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
|
24% |
| 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
|
43% |
| 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
|
24% |
| 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
|
48% |
| 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
|
76% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
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.
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)