SUNCOAST
Charter #68645 · TAMPA, FL · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.39M ranks in the 92nd percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.44% sits at the 93rd percentile of structural peers — worth a closer look.
- Efficiency ratio of 55.03% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SUNCOAST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $20.54B | 98th pct | 90th pct |
| Members | $1.39M | 98th pct | 92th pct |
| Net worth ratio | 9.99% | 33th pct | 36th pct |
| Return on average assets | 0.78% | 55th pct | 44th pct |
| Net interest margin | 3.62% | 68th pct | 54th pct |
| Cost of funds | 2.26% | 76th pct | 74th pct |
| Loan-to-share | 88.22% | 55th pct | 43th pct |
| Delinquency 60+ days | 0.85% | 72th pct | 64th pct |
| Net charge-off ratio | 1.44% | 96th pct | 93th pct |
| Loan growth YoY | 6.70% | 90th pct | 89th pct |
| Share growth YoY | 8.57% | 89th pct | 95th pct |
| Efficiency ratio | 55.03% | 6th pct | 8th pct |
structural peer set hash: 1d6964b9b59b629ebbf4b3e6e0152a10… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.