Unverified listing What this means
The Lender Report built this page from public records. Suncoast Credit Union has not reviewed it. Every lender's page starts this way, and it says nothing about Suncoast Credit Union itself. Each figure shows its source and date. Work at Suncoast Credit Union? You can claim this page for free.
Credit union, Tampa, FL
Suncoast Credit Union
A credit union based in Tampa, FL. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a), SBA 504 and real-estate-secured commercial loans it made.
- Kind
- Credit union
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $734M
- NCUA 5300,
- Holds, not loans made
- Commercial loans made, H1 2026
- 49
- NCUA 5300,
- Real-estate-secured
- SBA loans, 36 months
- 22
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $20.8B
- NCUA 5300,
Does it fit my deal?
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How to reach them
Each line shows where it came from
- Phone
- 813-621-7511 From the NCUA record, June 30, 2026.
- Website
- www.suncoast.comFrom the NCUA record, November 9, 2026.
- Names it files under
- SUNCOAST; Suncoast CUNCUA 5300,
- Address
- 6536 E Hillsborough Ave, Tampa, FL 33610NCUA 5300,
- Regulator record
- NCUA profile
You generally must be a member of a credit union to borrow from it. Field of membership: Non-Federal Credit Union. Designated low-income by NCUA.
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Suncoast Credit Union's Non-owner-occupied CRE balance rose 11.1% to $401.4M in the quarter ended June 30, 2026. NCUA 5300,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 5 under Preferred Lender authority.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 43.2% to $401.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 75.2% to $214.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | NCUA 5300 |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Florida | SBA 7(a), Full-Service Restaurants | $450K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Landscaping Services | $260K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), All Other Professional, Scientific, and Technical Services | $200K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Florida | SBA 7(a), Janitorial Services | $180K | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $280K | 9.25% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 504, Snack and Nonalcoholic Beverage Bars | $1M | 25 yr | SBA FOIA | ||
| May 2026 | Florida | SBA 7(a), Landscaping Services | $180K | 9.25% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 504, Beauty Salons | $180K | 25 yr | SBA FOIA | ||
| Jan 2026 | Florida | SBA 7(a), Limited-Service Restaurants | $830K | 9.75% | 11 yr | SBA FOIA | |
| 2025 | Hillsborough County, FL | Refinance, 25 to 49 units | $9.2M | 6% | 5 yr | 37% | HMDA 2025 |
| 2025 | Lee County, FL | Refinance, 50 to 99 units | $7M | 6% | 10 yr | 64% | HMDA 2025 |
| 2025 | Florida | Cash-out refinance, 5 to 24 units | $5.5M | 5.25% | 5 yr | HMDA 2025 | |
| 2025 | Alachua County, FL | Other purpose, 5 to 24 units | $1.3M | 6.25% | 5 yr | 73% | HMDA 2025 |
| 2025 | Hillsborough County, FL | Other purpose, 5 to 24 units | $700K | 7.5% | 10 yr | 29% | HMDA 2025 |
| 2025 | Pinellas County, FL | Cash-out refinance, 5 to 24 units | $500K | 6.25% | 5 yr | 65% | HMDA 2025 |
| Sep 2025 | Florida | SBA 504, Other Activities Related to Real Estate | $480K | 25 yr | SBA FOIA | ||
| Jun 2025 | Florida | SBA 504, Assisted Living Facilities for the Elderly | $2.5M | 25 yr | SBA FOIA | ||
| Oct 2024 | Florida | SBA 504, Assisted Living Facilities for the Elderly | $1.4M | 25 yr | SBA FOIA | ||
| May 2024 | Florida | SBA 504, Child Care Services | $460K | 25 yr | SBA FOIA | ||
| Mar 2024 | Florida | SBA 504, Health Care and Social Assistance | $170K | 25 yr | SBA FOIA | ||
| 7 SBA 7(a) loans since October 2023, net of cancelled | $2.37M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
NCUA 5300, June 30, 2026
| Book | Holds | Of its loans | Year over year | Loans | Average |
|---|---|---|---|---|---|
| Multifamily | $31.5M | 0.2% | -18.0% | 12 | $2.63M |
| Construction and land development | $32.5M | 0.2% | +41.5% | 8 | $4.06M |
| Owner-occupied CRE | $215M | 1.3% | +75.2% | 150 | $1.43M |
| Non-owner-occupied CRE | $401M | 2.5% | +43.2% | 101 | $3.97M |
| Farmland | $0 | 0.0% | Not reported | 0 | Not reported |
| Commercial and industrial | $54.1M | 0.3% | -6.6% | 413 | $131K |
| Other real-estate-secured commercial | $0 | 0.0% | Not reported | Not reported | Not reported |
| Commercial total | $734M |
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $275M |
| Q4 2023 | $304M |
| Q1 2024 | $318M |
| Q2 2024 | $338M |
| Q3 2024 | $361M |
| Q4 2024 | $424M |
| Q1 2025 | $454M |
| Q2 2025 | $522M |
| Q3 2025 | $585M |
| Q4 2025 | $614M |
| Q1 2026 | $689M |
| Q2 2026 | $734M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 6 | $24.1M | $3.36M | $9.2M | HMDA, |
| 1-4 unit investor or business purpose | 2025 | 106 | $16.0M | $85.0K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 7 | $2.37M | $263K | $830K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 7 | $2.37M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 15 | $21.0M | $459K | $12M | SBA FOIA, |
| Real-estate-secured commercial | First half of 2026 | 49 | $191M | NCUA 5300, | ||
| Multifamily | First half of 2026 | 1 | $970K | NCUA 5300, | ||
| Construction | First half of 2026 | 4 | $44.8M | NCUA 5300, | ||
| Owner-occupied CRE | First half of 2026 | 25 | $67.6M | NCUA 5300, | ||
| Non-owner-occupied CRE | First half of 2026 | 19 | $77.6M | NCUA 5300, | ||
| C&I | First half of 2026 | 97 | $14.8M | NCUA 5300, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its NCUA charter number. SBA 504 first liens: its name and state.
| Book | Average loan |
|---|---|
| Construction and land development | $4.06M |
| Multifamily | $2.63M |
| Owner-occupied CRE | $1.43M |
| Non-owner-occupied CRE | $3.97M |
| Commercial and industrial | $131K |
Programs on record: Federal Home Loan Bank member, Atlanta district (FHFA).
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Credit Union. Certification: Certified by the CDFI Fund since 2014-09-01.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Florida HQ | 81 | 6 | 106 | 7 | 15 |
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Business loan cap | $2.55B | $654M to $2.80B across 8 peers | Estimate: the lesser of 1.75 times net worth or 12.25% of assets. Low-income designated credit unions and some others are exempt. Not a statement from the credit union. | NCUA 5300, 12 CFR 723.8, Jun 30, 2026 |
| Business loans outstanding | $756M | $62.9M to $2.53B across 8 peers | Net member business loans, as reported on Form 5300. | NCUA 5300, |
| Cap used | 29.7% | 5.6% to 182.8% across 8 peers | Business loans outstanding over the estimated cap. This credit union is designated low-income by NCUA and is exempt from the cap. | NCUA 5300, |
| Largest single borrower | $315M | $87.0M to $394M across 8 peers | Estimate: the greater of 15% of net worth or $100,000. Not a limit the credit union has stated. | NCUA 5300, 12 CFR 723.4, Jun 30, 2026 |
| CRE to net worth | 22.1% | 2.4% to 154.9% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by net worth. Our own ratio, not a regulatory test or limit. | NCUA 5300, |
| Loans to assets | 78.3% | 64.3% to 82.3% across 8 peers | Total loans divided by total assets. | NCUA 5300, |
Estimates use the formulas in 12 CFR 723. Low-income designated credit unions and some others are exempt from the cap.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 5 loans (71.4%)
SBA FOIA, SBA 7(a) loans, 36 months.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Vystar Credit Union | FL | $14.3B | $1.01B |
| Midflorida Credit Union | FL | $9.79B | $2.06B |
| Fairwinds Credit Union | FL | $5.34B | $996M |
| Space Coast Credit Union | FL | $9.15B | $61.7M |
| Randolph-Brooks Credit Union | TX | $19.6B | $1.00B |
| Mountain America Credit Union | UT | $22.9B | $2.50B |
| Security Service Credit Union | TX | $14.4B | $1.54B |
| Lake Michigan Credit Union | MI | $17.3B | $2.19B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- Who can join. A credit union lends only to its members, and field of membership decides who qualifies.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
- Credit union concentration ratios here are our own calculation against net worth. They are not a regulatory test or limit. Originations are Jan-Jun 2026 year to date.
Check this page
Against the regulator's own record
- Name and charter. Suncoast Credit Union, NCUA charter 68645. Compare it with the regulator's record. [NCUA profile]
- Balances. $20.8B in total assets and $734M in commercial loans held, from the NCUA 5300 for June 30, 2026. [Source]
- Loans made. 49 real-estate-secured commercial loans made in the first half of 2026, from your NCUA Form 5300, and 134 loans in HMDA and SBA files, through September 30, 2026: 6 HMDA multifamily 2025, 106 HMDA 1-4 unit investor 2025, 7 SBA 7(a) in 36 months, 15 SBA 504 first liens in 36 months. [How each file was tied to Suncoast Credit Union]
- Phone and website. Phone 813-621-7511, from the NCUA record. Website suncoast.com, from the NCUA record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- NCUA and state regulator
- NCUA charter
- 68645
- RSSD
- 25085
- LEI
- 549300TOOOOW36EX6R40
- The Lender Report ID
- lr_000117
- Main office county
- Hillsborough
- Members
- 1,515,219
- NCUA region
- 8 - ONES
NCUA credit union details,
- Reported $20.8B in total assets as of June 30, 2026 (NCUA 5300).
- Held $734.1M of commercial and commercial real estate loans as of June 30, 2026 (NCUA 5300).
- Held $401.4M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 43.2% from a year earlier (NCUA 5300).
- Held $214.5M of owner-occupied commercial real estate loans as of June 30, 2026, up 75.2% from a year earlier (NCUA 5300).
- Held $54.1M of commercial and industrial loans as of June 30, 2026 (NCUA 5300).
- Originated 6 multifamily loans totaling $24.1M in 2025 (HMDA).
7 more sentences
- Originated 106 1-4 unit investor or business-purpose loans totaling $16M in 2025 (HMDA).
- Recorded 7 SBA 7(a) approvals totaling $2.4M from October 1, 2023 to September 30, 2026 (SBA).
- Provided the first lien on 18 SBA 504 projects with $21.6M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 3 were later cancelled (SBA).
- Originated 49 real-estate-secured commercial loans totaling $191M in the first half of 2026 (NCUA 5300).
- Held $56.4M of nonmember commercial loans and participations as of June 30, 2026 (NCUA 5300).
- Listed 81 offices in 1 state (NCUA).
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Suncoast Credit Union, https://lender.report/lender/suncoast-credit-union-fl/, data as of June 30, 2026.
Sources
- NCUA 5300, June 30, 2026
- NCUA 5300, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- NCUA 5300, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem