Credit unions · Florida · Q2 2026
Suncoast CU AI Score
Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.
| Total assets | $20.78B |
| Total loans & leases | $16.26B |
| Total shares & deposits | $18.32B |
| Members | 1,408,000 |
| Net worth | $2.10B |
| Net worth / assets | 10.12% |
| Loans / assets | 78.26% |
| Return on assets (annualized) | 0.87% |
| Loan growth (YoY) | 12.90% |
| Member growth (YoY) | 6.27% |
| Delinquency, all loans (60+ days) | 0.92% |
| Charter | State charter (federally insured) |
| Asset band | > $5B |
| NCUA peer group | over $500M |
| Sponsor type | Community (inferred from the name) |
AI readiness
AI Score: 4 of 5 stars, AI embedded in workflows
Suncoast uses machine-learning credit models from Zest AI to automate consumer loan underwriting decisions, and applies AI to auto-loan funding documents (Informed.IQ), check processing automation and fraud screening. This is AI making or shaping decisions inside business processes, not just staff assistants, and there is no public evidence of AI agents executing actions or autonomous multi-agent
- U.S. Bank, Suncoast say AI helps take loans from 'no' to 'yes' | American Banker “Suncoast, which is a state-chartered credit union, has been examined several times by Florida's Office of Financial Regulation since it deployed the Zest software.”
- Informed.IQ & Suncoast Credit Union describe light cost & tech burdens to gain partnership benefits “The provider of artificial intelligence for automation in auto finance and one of Florida’s largest credit unions now are working together to enhance funding efficiency”
- Suncoast Credit Union Selects Zest AI to Bring Better Lending to its Members - Zest AI “Suncoast Credit Union Selects Zest AI to Bring Better Lending to its Members”
- Credit decisioning software: A complete guide for banks and credit unions - Zest AI “Suncoast Credit Union has significantly expanded loan approvals with smarter credit decisioning: “Engaging Zest AI was one of the best strategic decisions we’ve made.”