# FLORIDA WEST COAST
BRANDON, FL · NCUA charter 67337 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/florida-west-coast-67337

Who the members are: state charter, organized 1991. 11,273 members of 12,174 potential (92.6% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 1146.

**Verdict on the desk:** this could be *auto monoline*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $141.4M |
| Members | 11,273 (3.5% YoY) |
| Full-time staff | 28 |
| Net worth | $17.1M |
| Net worth ratio | 12.1% (p55 of band) |
| ROA (annualized) | 0.75% (p53 of band) |
| Total delinquency | 0.38% (p30 of band) |
| Net charge-offs (annualized) | 0.29% (p45 of band) |
| Loans / shares | 59% (p32 of band) |
| Cash / assets | 12.7% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.32% (p30 of band) |
| Operating expense / assets | 3.58% (p48 of band) |
| Vehicles % of loans | 63% (p88 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 61% (p59 of band) |
| Vehicle delinquency | 0.20% (p21 of band) |
| Vehicle NCO | 0.30% (p36 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 22% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 28% |
| Average share balance | $5,308 |
| Participations bought / yr | $5.8M |
| Participations sold / yr | $0 |
| Participations outstanding | $10.5M |
| Loans outstanding per 100 members | 1146% |
| Loans granted per 100 members, annualized | 390% |
| Average loan balance | $571 |
| Loans granted, annualized | $29.1M |

## Participation posture (from the same filings)

Bought $5.8M and sold $0 in the latest annualized quarter; $10.5M outstanding purchased (61.3% of net worth), $0 sold and retained. Sold in 0 and bought in 8 of the last 8 quarters. Shares 2.2% year over year.

## Flags firing in the latest filing

- **delinquency rising** (`aq_dq_rising`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | delinquency rising |  |
| 2018-06 | 2 | auto monoline |  |
| 2018-09 | 2 |  |  |
| 2018-12 | 1 |  | delinquency rising |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 3 | margin squeeze, delinquency rising |  |
| 2020-06 | 4 | net worth falling |  |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 2 |  | margin squeeze, delinquency rising |
| 2021-06 | 1 |  | net worth falling |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 1 |  | delinquency rising |
| 2023-03 | 2 | delinquency rising |  |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | delinquency rising |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | delinquency rising |
| 2025-09 | 2 | delinquency rising |  |
| 2025-12 | 2 |  |  |
| 2026-03 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-12 [Hillsborough Commissioner Chris Boles diagnosed with throat cancer - Florida Politics](https://news.google.com/rss/articles/CBMisAFBVV95cUxNTmYyZzBZWlJsX0UtNjZ3RnNoaWstdHpNdHVKdGxtWmdTV2M2TVZzMXllNENFQW1tOHFwR0pySkZIY1FIcC0yMkNObEMxVnFueXE1WXZILVI0MU5kVTBtR2pmZG9vTUZ2VjVuM2c0QU1uSzN2NkpvYktCdEh3RHNzaWl2WlRMenUydVE3YmlWZmNMTkhpWlFpd1JVbldSYVBzaDJqVlFDM3NzSF9pRzg4NA?oc=5) · Florida Politics
- 2024-10-09 [Hurricane Milton Brought Devastation Across Central Florida (RECAP) - The Weather Channel](https://news.google.com/rss/articles/CBMisgFBVV95cUxQWHl2RXlOdDNBSm1EV2dmQWotR2Y1Q3VQWm5CVXRnUV9xcnNzRV9kbzI3NVdDOVpCOWZjLUdTcExNWWZrdURCTTNYY0FfbTlrd2tUUGNTSlhZd1pLcmstRzQwUzNMQ2w3UTRscUkyVWMyQXhaSWtHTDVfY19xckdvVERXVXpadjZxamJSdzJHQXd6dDUyeDZGQlQxTjJzOHlSY1dWZDlKWDNpdUxGN1ZqQkFn?oc=5) · The Weather Channel
- 2022-10-19 [How to help Florida victims of Hurricane Ian - Sun Sentinel](https://news.google.com/rss/articles/CBMijgFBVV95cUxNQ1NwVGVSLU5xeEJaLU5tSEdCQWFsWXh3Nm5hczc4U0Jxd2Q5ME0xazI1UnF6OW9LN2FHS3B2QXJkUU1ZYm9QcHpjUjFFb0ROOW1ZNFpIRDZmSjk4NTVmRUZxbzl3VWJvQWhxcmhsMC1lcVg2cVZKZW1Jb0F3cGFpcGRrY3ZzLU9ieElvNjNR?oc=5) · Sun Sentinel
- 2022-05-11 [Kids Tag Art Earns $33,700 For Title I Elementary School Art Programs - Patch](https://news.google.com/rss/articles/CBMiowFBVV95cUxPME8tQWZfNUdpblV3dncyZFFxOURla1JiYXZ3dThvT3BmTlk0U3VLU0t3amk4VTdBUzJGQV9YRW55aFhOVHZJN0h0c3l5MlR2OHJCeUxlNU5LRmF2NjZ5OGF2aWQySVRDbnhiY1gwTGRyRVpZXzZYVzI0b3FxX3J2YVNhbkpVZlRqeGJjWHBFY0w0V19McW9jYUtTODV3S1kyelE4?oc=5) · Patch
- 2018-04-24 [Pilot whale rescued in Dixie County to be featured on TV show - WCTV](https://news.google.com/rss/articles/CBMirgFBVV95cUxOa216eF95VzlsYkF1MF9EQkdDa3pza0Z5R3RkZ2J3Q0lGQkRVX2J2dGowWkcxbWpJNE5Icy1lQWt1LTd1Ri1HanRBaUtDQzM2bWZpVGFUd2NrcHNaeGVWdk83bXIxMEFpNm5McEthZFg1Wm9TUUVPelpVUkRDeF9LdjFrNTF2UTdKSzQ5eGtLaFgzSHFHMWpDSFE1bVBjV1hHSXhPd0ZCSWQ0dXAwNEE?oc=5) · WCTV
- 2024-10-10 [Live updates: Several are dead after Milton pummels Florida - NPR](https://news.google.com/rss/articles/CBMic0FVX3lxTE1RVENYbzZEOHVfNFFoQzV1dEwxTThsQkcyMzdEUUtxQl8teTRaZURpWndqazAwbF9tZXJNSjkwQzZXVHFmckdweEZuS3hfTjdtTFJRSWJOSEdKNC1ObFpvelAxbDFSRkFXSDB2WWhIQTcySTQ?oc=5) · NPR
- 2018-10-02 [Here are all of the banks that currently support Apple Pay - imore.com](https://news.google.com/rss/articles/CBMid0FVX3lxTE9ZY3JkQUdrNTNjWmMzVFk2QXBlWExaRnI3bjVsQ28wVlFRWUc5TEVWMm5TWkZ6RmtKTTNZRUhKbExyS25yb2pnRTc5VklBeW13Mzk0aU9MWVNGbHpiMDJUM1pfOVFvdFhCdGpNLUJQVG9ybXYzNlc4?oc=5) · imore.com
- 2023-06-14 [Kids Tag Art Winners Announced By Hillsborough Tax Collector - Patch](https://news.google.com/rss/articles/CBMimgFBVV95cUxPWG1jLWlXdWdTeTlBQ1AxNGZoeWhRV2h5ZV9zMXgtQ2ZCNHpWTnJHOWtEQlhuQVBYNW9sOWIwUWY3aUhULXY3cndFUG53Q29LTWhVZjBCYkZQNEQxZXlIVktsRXV4RjJETTNQV0VvMXIzbWV3VVNWbEdna01FRURfWFlxUVFuck82cm5IUUR1MUpTYUdyZGJNN0ZB?oc=5) · Patch

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67337 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/9.json (key "67337", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=67337
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide