State credit union · TAMPA, Florida · NCUA charter #68645
SUNCOAST
Health score 95/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 95
- Health / 100
- $19.68B
- Total assets
- 1,377,016
- Members
- 10.0%
- Net-worth ratio
SUNCOAST scores 95/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $19.68B; members 1,377,016; net-worth ratio 9.99%; health rank #414 of 4,374; healthier than 90th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#414 of 4,374 health · 2025Q4SUNCOAST · health 95/100 · $19.68B · 2025Q4
- NCUSIF 95/100
- CAMELS 10.0%
- HEALTH 0.97%
- NW 0.69%
- DELQ $19.68B
- ROA 1,377,016
- ASSETS #414/4,374
- MEM RANDOLPH-BROOKS
- RANK 68645
Call Report peers
SUNCOAST in the assets neighbourhood
SUNCOAST's $19.68B assets sit next to RANDOLPH-BROOKS ($19.20B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SUNCOAST vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
95 Top 10% higher than 90% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SUNCOAST - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #68645 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Where SUNCOAST diverges from peer averages
- Strongest edge vs 749 Over $500M peers is Loan-to-Share Ratio: +6.19 pp (90.09% vs 83.90%).
- Widest shortfall vs peers is Net Worth Ratio: -1.19 pp (9.99% vs 11.18%).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SUNCOAST: in-state Call Report ranks
- Health composite ranks #19 of 109 among scored Florida credit unions.
- Florida assets place: #1 of 109.
- Member book place in Florida: #1 of 109.
In-state ordinals use the live credit_unions table for FL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SUNCOAST: 2025Q4 → 2026Q1
SUNCOAST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.3% from $19.68B (2025Q4) to $20.54B (2026Q1).
- Net-worth ratio shifted -0.23 pp (10.22% → 9.99%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 9.99% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 95/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 95.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 20.3 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
SUNCOAST vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.99% | -1.19 pp |
| Delinquency Rate | 0.97% | +0.09 pp |
| Return on Assets | 0.69% | +0.18 pp |
| Member Growth | 8.25% | - |
| Loan-to-Share Ratio | 90.09% | +6.19 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.54B | - |
| 2025Q4 | $19.68B | 1,377,016 |
| 2024Q4 | $17.84B | 1,272,024 |
| 2023Q4 | $17.41B | 1,191,728 |
Credit Union Details
- Charter Number
- 68645
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- Florida
- City
- TAMPA
- Data Quarter
- 2025Q4
Branch Locations (81)
SUNCOAST operates 81 offices across 47 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Headquarters Main Office (BR 01) (Main Office) | Tampa, FL |
| Arcadia (BR 87) | Arcadia, FL |
| Bonita Springs (BR 64) | Bonita Springs, FL |
| Bradenton Main(BR 02) | Bradenton, FL |
| East Bradenton (BR 50) | Bradenton, FL |
| West Bradenton (BR 25) | Bradenton, FL |
| Lakewood Ranch (BR 184) | Bradenton, FL |
| Brandon (BR 12) | Brandon, FL |
| Brooksville (BR 11) | Brooksville, FL |
| Bushnell (BR 59) | Bushnell, FL |
| SW Cape Coral (BR 81) | Cape Coral, FL |
| Cape Coral - Del Prado (BR 61) | Cape Coral, FL |
| Cape Coral - Santa Barbara (BR 17) | Cape Coral, FL |
| Cape Coral - Pine Island (BR 0194) | Cape Coral, FL |
| Chiefland (BR 88) | Chiefland, FL |
| Countryside (BR 72) | Clearwater, FL |
| Crystal River (BR 51) | Crystal River, FL |
| Dade City (BR 21) | Dade City, FL |
| Berry (BR199) | Davenport, FL |
| Ellenton (BR 196) | Ellenton, FL |
| North Fort Myers (BR 40) | Fort Myers, FL |
| Estero (BR 47) | Fort Myers, FL |
| Treeline (BR 84) | Fort Myers, FL |
| East Fort Myers (BR 60) | Fort Myers, FL |
| Fort Myers - Daniels Parkway (BR 71) | Fort Myers, FL |
| Fort Myers - Matthew Drive (BR 16) | Fort Myers, FL |
| Fort Myers - College Parkway (BR 113) | Fort Myers, FL |
| Riverdale (BR 114) | Fort Myers, FL |
| Holiday (BR 49) | Holiday, FL |
| Immokalee (BR 53) | Immokalee, FL |
| Inverness (BR 18) | Inverness, FL |
| West Osceola (BR 191) | Kissimmee, FL |
| LaBelle (BR 65) | LaBelle, FL |
| Lakeland (BR 124) | Lakeland, FL |
| South Lakeland (BR 173) | Lakeland, FL |
| Lehigh Acres (BR 24) | Lehigh Acres, FL |
| Lee Boulevard (BR 91) | Lehigh Acres, FL |
| Land O Lakes (BR 43) | Lutz, FL |
| Golden Gate(BR 42) | Naples, FL |
| Naples Horseshoe (BR 08) | Naples, FL |
| North Naples (BR 45) | Naples, FL |
| South Naples (BR 70) | Naples, FL |
| Pine Ridge (BR 122) | Naples, FL |
| Berkshire Commons (BR 171) | Naples, FL |
| Trinity (BR 172) | New Port Richey, FL |
| North Port (BR 89) | North Port, FL |
| South Semoran (BR 189) | Orlando, FL |
| South Orange Blossom (BR 190) | Orlando, FL |
| Plant City (BR 19) | Plant City, FL |
| Port Charlotte (BR 15) | Port Charlotte, FL |
| Charlotte Harbor (BR 86) | Port Charlotte, FL |
| Port Richey (BR 03) | Port Richey, FL |
| Punta Gorda (BR 62) | Punta Gorda, FL |
| Riverview (BR 41) | Riverview, FL |
| Ruskin (BR 82) | Ruskin, FL |
| South St. Petersburg (BR 83) | Saint Petersburg, FL |
| Roosevelt Saint Petersburg (BR 67) | Saint Petersburg, FL |
| Bee Ridge (99) | Sarasota, FL |
| Fruitville (BR 188) | Sarasota, FL |
| Sebring (BR 117) | Sebring, FL |
| Seffner (BR 46) | Seffner, FL |
| Spring Hill (BR 22) | Spring Hill, FL |
| West Hernando (BR 75) | Spring Hill, FL |
| Downtown St Petersburg (BR 175) | St Petersburg, FL |
| East Tampa Community (BR74) | Tampa, FL |
| Fletcher (BR 09) | Tampa, FL |
| Hillsborough Ave. (BR 52) | Tampa, FL |
| New Tampa (BR 54) | Tampa, FL |
| South Tampa (BR 23) | Tampa, FL |
| Town N Country (BR 20) | Tampa, FL |
| Citrus Park (BR 73) | Tampa, FL |
| West Tampa (BR 85) | Tampa, FL |
| Galleria (BR 183) | Tampa, FL |
| Valrico (BR 44) | Valrico, FL |
| South Venice (BR 195) | Venice, FL |
| Wauchula (BR 63) | Wauchula, FL |
| Wiregrass (BR115) | Wesley Chapel, FL |
| Wildwood (BR 185) | Wildwood, FL |
| Belmont (BR 92) | Wimauma, FL |
| Aloma (BR 197) | Winter Park, FL |
| Zephyrhills (BR 77) | Zephyrhills, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
SUNCOAST's nationwide photo peers by assets and by health score, excluding Florida charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($19.68B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (95/100 here).
Using this data
- SUNCOAST ranks #414 of 4,374 nationally on financial health and #19 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VYSTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VYSTAR
- Rates and health both vary by institution, not just by state -- see how Florida credit unions compare overall before assuming this one is typical. Florida state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SUNCOAST financially healthy?
A 9.99% net worth ratio and a 0.97% delinquency rate feed into SUNCOAST's financial health score of 95/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #414 of 4,374; by total assets it ranks #10 of 4,374 nationally (same basis as /rankings/largest); and #1 of 109 within Florida. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does SUNCOAST compare to other credit unions?
SUNCOAST scores 95/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SUNCOAST?
Membership eligibility for SUNCOAST depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact SUNCOAST directly for current membership requirements and application steps.
Is my money safe at SUNCOAST?
Federal credit unions like SUNCOAST are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SUNCOAST's net worth ratio of 9.99% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SUNCOAST offer compared to banks?
Credit unions like SUNCOAST are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SUNCOAST directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.