PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Suncoast

Tampa, FL · Charter 68645

NCUA · 79 branches

Q2 2026

$20.8BAssets
$16.3BLoans
$18.3BShares
$2.1BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.87%, down 21 bps year over year; NIM at 3.53%.
  • Asset quality: problem loans at 0.92% of loans (+16 bps YoY).
  • Capital: net worth / assets of 10.12%, down 2 bps from a year ago.
  • Funding: loans stand at 88.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%-21 bps YoY

Net Interest Margin (YTD, annualized)

3.53%+4 bps YoY

Efficiency Ratio (YTD, annualized)

54.62%+119 bps YoY

Net Worth / Assets

10.12%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.08%1.16%1.09%0.76%0.87%-21 bps
Return on Equity10.64%11.16%10.69%7.61%8.60%-204 bps
Net Interest Margin3.48%3.55%3.49%3.54%3.53%+4 bps
Efficiency Ratio53.43%52.82%52.96%55.03%54.62%+119 bps
Growth
Asset Growth (YoY)2.60%3.38%10.34%9.31%10.01%+741 bps
Loan Growth (YoY)13.06%14.96%14.99%15.23%12.90%-16 bps
Share Growth (YoY)8.45%9.18%9.68%8.99%9.92%+147 bps
Asset Quality
Delinquent Loans / Loans0.76%0.85%0.97%0.85%0.92%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.14%10.39%10.22%9.99%10.12%-2 bps
Net Worth / Assets10.14%10.39%10.22%9.99%10.12%-2 bps
Liquidity & Funding
Loans / Shares86.41%89.76%90.09%88.22%88.75%+234 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps