# TRANSPORT
Tampa, FL · NCUA charter 68016 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/transport-68016

Who the members are: state charter, organized 1991, low-income designated. 1,718 members of 74,513 potential (2.3% of the field); checking penetration 60% (share draft accounts per 100 members); loans per 100 members 504.

**Verdict on the desk:** this could be *ordinary*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $35.0M |
| Members | 1,718 (-2.2% YoY) |
| Full-time staff | 5 |
| Net worth | $6.5M |
| Net worth ratio | 18.6% (p69 of band) |
| ROA (annualized) | 0.71% (p57 of band) |
| Total delinquency | 0.57% (p47 of band) |
| Net charge-offs (annualized) | 0.05% (p55 of band) |
| Loans / shares | 87% (p89 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.83% (p48 of band) |
| Operating expense / assets | 3.14% (p35 of band) |
| Vehicles % of loans | 47% (p32 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 28% (p92 of band) |
| Vehicle delinquency | 0.38% (p47 of band) |
| Vehicle NCO | 0.06% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 39% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 49% |
| Certificates % of member funds | 34% |
| Average share balance | $8,355 |
| Participations bought / yr | $2.0M |
| Participations sold / yr | $0 |
| Participations outstanding | $1.3M |
| Loans outstanding per 100 members | 504% |
| Loans granted per 100 members, annualized | 1742% |
| Average loan balance | $2,822 |
| Loans granted, annualized | $8.2M |

## Participation posture (from the same filings)

Bought $2.0M and sold $0 in the latest annualized quarter; $1.3M outstanding purchased (19.4% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares -3.6% year over year.

## Flags firing in the latest filing

- none

## 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 | 1 | members leaving |  |
| 2017-06 | 2 | net worth falling |  |
| 2017-09 | 1 |  | net worth falling |
| 2017-12 | 2 | delinquency rising |  |
| 2018-03 | 0 |  | members leaving, delinquency rising |
| 2018-06 | 1 | members leaving |  |
| 2018-09 | 2 | delinquency rising |  |
| 2018-12 | 0 |  | members leaving, delinquency rising |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | delinquency rising |  |
| 2019-09 | 0 |  | delinquency rising |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | margin squeeze | net worth falling |
| 2021-03 | 2 | delinquency rising |  |
| 2021-06 | 1 | net worth falling | margin squeeze, delinquency rising |
| 2021-09 | 1 | members leaving | net worth falling |
| 2021-12 | 0 |  | members leaving |
| 2022-03 | 1 | members leaving |  |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 2 | loans>95% of shares | members leaving |
| 2022-12 | 3 | members leaving |  |
| 2023-03 | 2 |  | members leaving |
| 2023-06 | 1 |  | delinquency rising |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | delinquency rising |
| 2024-12 | 0 |  | loans>95% of shares |
| 2025-03 | 3 | net worth falling, margin squeeze, delinquency rising |  |
| 2025-06 | 1 |  | net worth falling, delinquency rising |
| 2025-09 | 0 |  | margin squeeze |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

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

- 2026-06-22 [For Boca Raton Trauma Victims, Life-Saving Blood May Now Arrive Before the Ambulance Reaches the Hospital - TAPinto](https://news.google.com/rss/articles/CBMiiwJBVV95cUxPZVRmZjdWLTNMSGxseWZMUXhOQU0xeVU2QWpycHBtNkU5OER0Yk5jcFphdDBMbUlsd1J3aWxtdTA0ai0teEI5Q3ZmcEZtTUtvS2o2Z19kNkZqdDdkaC1WYlVnQk02ZVM1Q2pZMUJPTVlnU1Zkc05sMGZVUnprVHNtQzkyYWROeG9waHNydGZTLWt4b2xHdnhOUnRfMm1wZmJIRVFCRXFJWFZSODBxXzBvNmxJVkxTcGlmdUZ4V1dhRG1kUWVKbEJlaDU5R093eE96U1hOcV9PckxUVFh2OERUbzM0UnFkb2VOTkhoeU1BOFZjX1NWNzBuMkp2NktpWk41OUdSUGcwWjFIV3c?oc=5) · TAPinto
- 2024-06-13 [Suncoast Credit Union Donates to Immokalee Foundation - Coastal Breeze News](https://news.google.com/rss/articles/CBMihwJBVV95cUxNRmNnZ0xDbmpNd0NYRjBFMnVGMUx1cmpLOXhVcUJOdXpuZVd1TFBPWjI3UGI3Vmc5a2FLM3R1ZDRVUlB1VUpCUWEtMkVMNGowLXAtZ1NwMVNRWFdpQ3c1dk8tTVU2LTJXeHRBSGRzYndOWVY3c21FX1pmdm9oLWhub2o5cWU3WUEzSjkyVmtmNmpRbzFVeGlDMlBESG41eFRRMlBNY0VUV2tUQlhZbnYzcTVOa0hWY3NKeEg1THVhanYtWE9uQldkZEdKR2RtRmdkTnFuX1l6SzI0QmdIZVRSelpybERSX2luVmYzbUFGc3VoblpFWG4zSTNGc3QtQmFaRl9CLWNfTQ?oc=5) · Coastal Breeze News
- 2023-10-30 [Rifle-wielding robbers ambush armored transport employees, swipe ATM cash: JSO - News4JAX](https://news.google.com/rss/articles/CBMiwgFBVV95cUxNdUtMU1h6eW9RamhCandKSmJwUkRXbGdFc0JPU0FNbExSV0NlUVpyRVJMbnFfenkxU0hJaWdnbTdMcHVBS2daV2tkNmNUOGlZaWFYcFk1SXU5OUcxU25hcy1mYWZSRmZaQl9RME9Bd01FRWRvdDI0MERpa0dZWDZUR1g3eDJLd2t3VDVoZkhnS2txSng2UEZ0R2tpcmlmbUVBT3JsYUJRMFFJZjM5MndMU3Fnb1FOZktlZEVBaWVTb1Jkdw?oc=5) · News4JAX
- 2019-12-20 [Nine Mile road expanding to four lanes, drivers hope it will reduce traffic congestion - WEAR-TV](https://news.google.com/rss/articles/CBMitgFBVV95cUxOU1lmRXNLUGN0MTA2V0NJNWU4S1JmaDlmZDJrNWt5dU9xd0ZEbU9WUTdLVlU2RG90NHQzLVdvRHF4Nkt6NzFreDZaZUNnZDVnOFozbHUwNExLT3Qtb0pKQUl5SjBRRzRsdkVPNV9HZFFXdE1YQ2pFZzMtZ3d2T0Z2VE9jUkxveFo4WUIwbG9fWWF0dU9ITEdGNzQ0OFJmUVFUaGFuMmhtS2pqRWtjWTRXeC1la19QQQ?oc=5) · WEAR-TV
- 2024-11-05 [Butler Enterprises will host Annual Rock the Runway fashion show to benefit Ronald McDonald House of North Central Florida on Nov. 7 - alachuachronicle.com](https://news.google.com/rss/articles/CBMi8wFBVV95cUxNcjhkNkc3SjdIaUVZQ09wNXlHNlNnNHQwaEZ1cWxuTUJtVm9wU0Z1Sk15Sk9GZkJHR0YxaF82U0cxcGpUOVJmTTAyUVhyQW01bXNkdzVfRU80NEJ5c3RSYS1SYUZ6ZTJEaGViNHJrM2lXQktUS3V5U2psdkJJTUw1aXNINU80WWFHY29Wd0RJakJkVVRjcnQ5dkt6ejIxR1ZFOUNWWXJ0MW5hc2pKb2QxWmhYMzdEd1RGUWowdW55QzdzY0lNY0dhQTVMQjZveHRHU0xtV0RSMWZEQlpiSkdlUXRPM1R5dl9vUzE4S1JWXzJfNFE?oc=5) · alachuachronicle.com
- 2025-09-17 [7 more freight carriers go bankrupt in Q3, another shuts down - Equipment Finance News](https://news.google.com/rss/articles/CBMitAFBVV95cUxOODFXM3VnYnowd2RCVDh4M3hsRTE0dUlDSXJ5c1Q0V1hCcVFEX01nYkdidUN4RzllS2I4LUdIdmlHWU40cERZaW5oblM5R1dzUm9vb3V2R1B0NXFUN0JPazRPZnA2QUt1RGpBdHI1WlRwM1hRc1JXUkxqUnpOUFZPaVZCY2RXR0lXbE1QUmludzR1YVNiWW9sMDJmZnFkSDRqRHV2SkhrOVAtODFyYzh1SzFxeVM?oc=5) · Equipment Finance News
- 2021-11-21 [Career Track - The Florida Times-Union](https://news.google.com/rss/articles/CBMijwFBVV95cUxPc0pkb19aOGZGY05obGtsX0tXSEk4N3gxcTU5S3NJNHdhcmJiYXFkVkctRFZwMXU2ZE9ZTTI1VThrVm1IRnZhaXltUkx5RWJCODZNX2dheTBTX3pZWTQ5enVObXo3N0lJVXVfSWV4ekVSeWJPNnA4eElnR3hwNFBRS2thdzVXNS11a3dmOGk1NA?oc=5) · The Florida Times-Union
- 2018-05-10 [V. Janoska Obituary - Orlando, FL - Dignity Memorial](https://news.google.com/rss/articles/CBMie0FVX3lxTE1XZUppZVFwR3ljc0thRjllVFBRSXQ3UDIwbGtycXlJbERsQ1p2eFVRbElkNm5xclI4RTM1b01jUng5Y29fRjdEd056Zk9DZzdYdjFVTVkwOE1jWFNFLV9SdlVuUHlfZEROTTZCMXo1OGkwSzc1c1lhVTNwbw?oc=5) · Dignity Memorial

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68016 (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/48.json (key "68016", 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=68016
- 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.

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