# SUNCOAST
TAMPA, FL · NCUA charter 68645 · asset band >$10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/suncoast-68645

Who the members are: state charter, organized 1978, low-income designated. 1,389,633 members of 21,645,117 potential (6.4% of the field); checking penetration 78% (share draft accounts per 100 members); loans per 100 members 59.

**Verdict on the desk:** this could be *indirect buyer*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $20.54B |
| Members | 1,389,633 (7.2% YoY) |
| Full-time staff | 2586 |
| Net worth | $2.05B |
| Net worth ratio | 10.0% (p50 of band) |
| ROA (annualized) | 0.76% (p50 of band) |
| Total delinquency | 0.85% (p46 of band) |
| Net charge-offs (annualized) | 1.42% (p92 of band) |
| Loans / shares | 88% (p50 of band) |
| Cash / assets | 9.7% |
| Borrowings / assets | 1.83% |
| Net interest margin | 3.54% (p79 of band) |
| Operating expense / assets | 2.38% (p38 of band) |
| Vehicles % of loans | 44% (p96 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 66% |
| Third-party paper % of net worth | 231% (p75 of band) |
| Vehicle delinquency | 0.56% (p38 of band) |
| Vehicle NCO | 1.29% (p46 of band) |
| Repossessed % of vehicle book | 0.28% (p92 of band) |
| Real estate % of loans | 36% |
| Credit cards % of loans | 6% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 34% |
| Core shares % of member funds | 33% |
| Certificates % of member funds | 35% |
| Average share balance | $6,164 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $74.6M |
| Loans outstanding per 100 members | 59% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $19,534 |
| Loans granted, annualized | $6.07B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $74.6M outstanding purchased (3.6% of net worth), $0 sold and retained. Sold in 0 and bought in 4 of the last 8 quarters. Shares 9.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | thin capital, delinquency 2x band |  |
| 2016-06 | 1 |  | delinquency 2x band |
| 2016-09 | 2 | net worth falling |  |
| 2016-12 | 3 | 3rd-party paper>100% NW |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 2 |  | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 1 |  | thin capital |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 3 | thin capital, net worth falling |  |
| 2019-09 | 1 |  | thin capital, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 3 | thin capital, net worth falling |  |
| 2020-09 | 2 |  | net worth falling |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 2 |  |  |
| 2021-12 | 2 |  |  |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 1 |  | thin capital, net worth falling |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | leaning on borrowings |  |
| 2023-12 | 4 | net worth falling, delinquency rising |  |
| 2024-03 | 4 |  |  |
| 2024-06 | 3 |  | net worth falling |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | leaning on borrowings |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 | charge-offs p90 | delinquency rising |
| 2025-09 | 1 |  | charge-offs p90 |
| 2025-12 | 1 |  |  |
| 2026-03 | 3 | net worth falling, charge-offs p90 |  |

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

- 2026-09-08 [Suncoast Credit Union establishes its first Marion County service center - Ocala StarBanner](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOWnBOckcySmpjcThEeFFsXy1pZzlNZzNjcVJDay1YdEdKLUtWZm5Xbnlxa242Z0ZRM2hFMlRZRjR6MzkwbFhQN0ZKUnRRTnVPZFJpREp3c0oxOVpKVlJiR3hQVFFWcmZ6WGxzVlN1R1Z6UXlIX09QVFR1TldtTWNxeXRuVTFCb3YydExqNzVkVDluQ0xuWXFTSS01SjhHOTlGT2lid05yUXVUVXhQLXJVbFJ0cWFBS0dIN0s5OUxIcVM?oc=5) · Ocala StarBanner
- 2026-08-26 [Tampa credit union led deal wins final approval, creating $22B institution - Business Observer](https://news.google.com/rss/articles/CBMijAFBVV95cUxOQVE0OFJwd1cwT05uUHFFMFFtNDBrTHRGRUlSa1Axc0dBTXM4QTF3ZzlUYmJhY3RrNEgwMFpXMVVTZVVoa1ZBREkyeTRPWVBhaE9CLVpjUDc5OGYyMzBQNEdtSlVqTEhwdy0ybGtZTjZnT0lvNElUYlhhYXFadmlTWVdiM1NDTXl6Z1hwbA?oc=5) · Business Observer
- 2026-06-29 [20 Largest Credit Unions in America | Banking Advice | U.S. News - U.S. News & World Report](https://news.google.com/rss/articles/CBMigAFBVV95cUxPTGo3NzJqcExQdW1NT240R08xaGVXT1pFZHBGS29RSG9UaUJQaWkxV3RrbEZheE5jWjRlUmp0am5oQ3V6SFh6U2lIQ2NvaWtKTnhsNko2TU0zYXRhWUFEb0ZBUWFJUkxYWlQ4eVBTWHFmNjZkbW1QOXg1VnBDbExpWA?oc=5) · U.S. News & World Report
- 2026-08-27 [Launch Credit Union Members Approve Merger with Suncoast Credit Union - TalkOfTitusville.com](https://news.google.com/rss/articles/CBMirwFBVV95cUxNQzNDQVNNQlFxYzZhVmZWanZfTEpjeDNFZDJlVVd4NllHcGg3UTBJQWlBeHc2b2laSnlJZWprZTU0cXJrbVVYZ0RrdVAtLXhVOWpqTW1GOEVOWHEzbmt1QjBCS1B3U1Z2X0hSR05vUmI1aVdMOWJ0ZWxjemZCX09QQVVROXdiWkdHQkU0YXNpdldKaGFpaXV5WjFZdzduMTVzWXljdkJEUURQUjlhX0tN?oc=5) · TalkOfTitusville.com
- 2026-05-05 [The 10 Largest Credit Unions In The U.S. - Bankrate](https://news.google.com/rss/articles/CBMidEFVX3lxTFA4ZGZEYmpOV1llV1R3VDk5T1pYcURFb01HcEc0VTQ2RlFfajJfa1UtMi1HRGN6ZDFsaXUzcEVsaDlKZDE5NW9YTkgyWU82V3lWT25sYi1SOXlNSWhlT0p0N1JLbzFKaWJRc2N5dHozMndDbVI0?oc=5) · Bankrate
- 2026-03-24 [Suncoast Credit Union CD Rates 2026 - Forbes](https://news.google.com/rss/articles/CBMif0FVX3lxTE9iOWRHOXZ0VThZaEZKMTFHYmEwemdaMXR5OUEzeEVES2I3czUyQ00tZlhEbV9yMTVnRlV0UzNfNUZYX19PRkNvQkdKbUN5R3JjdTJob1ZqR0tFcFh3T2VsZ1BNeVlQLVlIUUhybUFQN0t3R290OGZRTS12RU5sbVU?oc=5) · Forbes
- 2025-11-04 [Florida High School Athletic Association Announces Partnership with Suncoast Credit Union to Advance Financial Literacy for Student-Athletes - Florida High School Athletic Association](https://news.google.com/rss/articles/CBMilgJBVV95cUxOWThENE90WlotNDBDMW96MkFBdFpaQ0s0ekZnd3VtaUZvTHlZdzZpTlYwaGhtck5TNlhZaXZhaFV2Ym82SjJRSE9uZUk4dXJaSjZiQ0pzVngtTnBlUUI4TTNBNzA5S0dwZG9rRTZJVTRDbmYyaXVqcmE0OEFVLXRIbHFkUjZnWU5nQnJpVmlpZnhrcndXTFVYRmpKVHZtT3RmcG9zOXQ0YVFpNzZESXBnWS1EdjBZTlMwNmhBN2wtS0puVU5hOVcxV2dHTXBNSHowQ3VBM3M5WkNqeXR6dDVJTkh2RmxLRHA4WHhESXpSaUFJdHdUdm5mMVlKQTN1OU8tRDg0YnFZanNVb3hWM0RzVWhDWUZNUQ?oc=5) · Florida High School Athletic Association
- 2025-10-10 [School District of Lee County Awarded $301,600 from Suncoast Credit Union - Lee County Schools](https://news.google.com/rss/articles/CBMihAFBVV95cUxPVWx6ZlJETENaWmM1Z2pxZ1EtTjdRS2tiLXZTdDVSM21TRjBOaUk5Ri10dEtfYVE4bkU1YlFud1FfOXg1dXp5eXlFNng4aUkxaG1nZERoOXNyUXh1c0REdTNNWFFaYWlzNFdhZlFXWDNwVnRGMVFQVzhVV2RJQjl5TDRuOHQ?oc=5) · Lee County Schools

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=68645 (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/37.json (key "68645", 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=68645
- 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