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.
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NCUA 5300 Call Report Masthead
#414 of 4,374 health · 2025Q4SUNCOAST · health 95/100 · $19.68B · 2025Q4
Call Report peers
SUNCOAST in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); SUNCOAST sits in 95-99 with 391 others.
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
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%).
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.
- One place up in Florida, MIDFLORIDA (#18) ties at 95/100; one place down, Innovations Financial (#20) ties at 95/100.
SUNCOAST: 2025Q4 → 2026Q1
SUNCOAST: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $19.68B (2025Q4) to $20.54B (2026Q1).
- Net-worth ratio shifted -0.23 pp (10.22% → 9.99%).
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
SUNCOAST gives up 5 points in total. Delinquency Rate costs the most, 4.7 of its 25; Loan-to-Share Ratio and Net Worth Ratio and Return on Assets and Member Growth score full marks.
- 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 |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
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
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
Frequently Asked Questions
Is SUNCOAST financially healthy?
SUNCOAST has a financial health score of 95/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #414 of 4,374 nationally on health and #19 of 109 in Florida. Its net worth ratio is 9.99% and its delinquency rate 0.97%.
How does SUNCOAST compare to other credit unions?
SUNCOAST scores 95/100, higher than 90% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (90.09% vs 83.90%). Its widest shortfall is net worth ratio (9.99% vs 11.18%).
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?
SUNCOAST is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.