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Sunstate

Gainesville, FL · Charter 11789

NCUA · 11 branches

Q4 2020

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2020, the quarter ended December 31, 2020, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Sunstate

Gainesville, FL · Charter 11789

NCUA · 11 branches

Q4 2020

$587.1MAssets
$420.1MLoans
$521.2MShares
$60.9MNet Worth

Executive Summary

  • Earnings: ROA of 1.02%, up 26 bps year over year; NIM at 3.33%.
  • Asset quality: problem loans at 0.49% of loans (-13 bps YoY).
  • Capital: net worth / assets of 10.38%, down 67 bps from a year ago.
  • Funding: loans stand at 80.60% of shares as of Q4 2020.

Return on Assets (YTD, annualized)

1.02%+26 bps YoY

Net Interest Margin (YTD, annualized)

3.33%-31 bps YoY

Efficiency Ratio (YTD, annualized)

72.06%-824 bps YoY

Net Worth / Assets

10.38%-67 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2019Q2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020YoY ΔTrend
Earnings
Return on Assets0.98%1.07%0.85%0.76%0.54%0.62%1.07%1.02%+26 bps
Return on Equity8.83%9.58%7.66%6.90%5.02%6.05%10.24%9.81%+291 bps
Net Interest Margin3.72%3.72%3.67%3.64%3.58%3.37%3.37%3.33%-31 bps
Efficiency Ratio78.00%78.10%80.80%80.30%76.97%73.57%69.81%72.06%-824 bps
Growth
Asset Growth (YoY)7.63%9.29%10.84%11.70%10.35%16.20%16.17%18.06%+636 bps
Loan Growth (YoY)13.94%14.97%13.29%8.67%6.39%2.26%3.00%5.64%-303 bps
Share Growth (YoY)6.92%8.15%11.04%11.89%11.21%18.28%17.17%18.99%+710 bps
Asset Quality
Delinquent Loans / Loans0.25%0.27%0.36%0.62%0.43%0.49%0.48%0.49%-13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.74%0.65%0.64%0.71%0.78%0.89%0.83%0.73%+3 bps
Capital
Risk-Based Capital11.13%11.22%11.06%11.05%10.73%10.19%10.44%10.38%-67 bps
Net Worth / Assets11.13%11.22%11.06%11.05%10.73%10.19%10.44%10.38%-67 bps
Liquidity & Funding
Loans / Shares90.99%93.05%91.43%90.78%87.05%80.45%80.37%80.60%-1,018 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps