2025 Suncoast Credit Union Annual Report: Building Momentum - Growing With Purpose

GROWING WITH PURPOSE

Committed to our members, rooted in our community.

CHAIRMAN & PRESIDENT/CEO LETTER FROM THE

Gary C. Gresham Chairman, Board of Directors

Kevin Johnson President and CEO

Dear Suncoast Credit Union Members,

Building momentum isn’t just about numbers. At Suncoast Credit Union, we’re building momentum by growing alongside you - our members - by listening to your needs and showing up with purpose to help you every day. Growing with a purpose ensures our progress provides benefits in tangible ways not only to Suncoast and its members, but also the people and communities we serve all over Florida.

In 2025, the energy and the forward momentum were evident across every area of our organization. Suncoast demonstrated strong financial performance, ending the year with $19.8 billion in assets. Our continued growth enabled us to help you achieve important milestones, including buying homes and purchasing vehicles, resulting in a record $8.2 billion in loan originations. At the same time, our competitive returns on deposits made saving easier for our members, leading to an overall deposit balance increase of 9.7% last year.

As we continue to build on our momentum, we remain steadfast in our most important aspect: The member experience. As our members, you deserve exceptional service, and Suncoast employees bring care, commitment, and purpose to every interaction. That focus led to finishing 2025 with a satisfaction rating of 82.8%, a measure based on how likely our members are to recommend Suncoast to others. This high score reflects the trust you place in us and the strong relationships we continue to build.

Our continued progress enabled us to expand our influence beyond financial services. As the organization grew, we were pleased to increase the donation amount through our Pennies Add Up program. Now, with each use of a Suncoast credit or debit card, four cents is donated to the Suncoast Credit Union Foundation. This enhancement resulted in $6.4 million in donations in 2025, directly benefiting children and families across our local communities.

Our strong financial position allowed us to reinvest directly back into our membership through competitive rates, low fees, and thoughtfully designed products that support long-term financial well-being. Whether members are building something new, navigating change, or planning what’s next, we are here to move forward with each and every Suncoast member.

The Suncoast team carries this same sense of purpose into our community service efforts. In 2025, team members volunteered nearly 48,000 hours, extending our momentum into the neighborhoods we serve and reinforcing our commitment to making a lasting difference.

Building and maintaining momentum doesn’t happen by chance. It evolves through trust, commitment, and a shared sense of purpose. As we look forward, we’re energized by the endless opportunities and are confident in our ability to grow with our members, employees and our local communities. Suncoast is certain of our team’s ability to adapt and evolve as we deliver the services and support you need most—today and into the future.

On behalf of our board of directors, leadership team, and all our employees, we are proud to share our 2025 achievements in this annual report. Thank you to our members for being the foundation of our momentum—and for continuing to grow with Suncoast Credit Union.

Gary C. Gresham Chairman, Board of Directors

Kevin Johnson President and CEO

SUNCOAST LEADERSHIP

BOARD OF DIRECTORS

SUPERVISORY COMMITTEE

The credit union operates under the laws of the United States of America and is a state chartered financial institution, which is regulated by the Office of Financial Regulation (OFR) for the State of Florida. Deposits are insured by the National Credit Union Administration (NCUA), an agency of the federal government. Examiners of both the OFR and NCUA make periodic examinations to ensure proper operation of the credit union.

The credit union’s Board of Directors appoints a Supervisory Committee responsible for safeguarding the credit union’s assets and protecting the interests of the members. In this capacity, we are pleased to present the 2025 report.

The committee engaged the certified public accounting firm of Baker Tilly US, LLP to perform an independent audit. In the opinion of the auditors, the credit union’s complete set of financial statements, which are not presented in the report, present fairly, in all material respects, the financial position of the credit union as of December 31, 2025, and the results of its operations and its cash flows for the year ended. Furthermore, the committee meets monthly and reviews the work performed by the Internal Audit Department in financial and operational areas of the credit union.

Based on the above activities, it is the unanimous opinion of the Supervisory Committee that Suncoast Credit Union is financially solid and is being operated safely and soundly.

SENIOR STAFF

Our future has never been brighter at Suncoast Credit Union. As we prepare for continued growth opportunities, we’ve harnessed and nurtured the strengths of our greatest asset – the people of Suncoast.

FINANCIALS

In 2025, Suncoast delivered a year of meaningful progress while navigating a challenging economic environment. Despite macroeconomic uncertainty and increasing financial strain on our members driven by rising unemployment and affordability challenges, we remained unwavering to our mission—continuing to extend access to credit and support our members when they needed it most, even as lending tightened across the broader industry. Loan growth was strong, growing at 15%, and we supported more than 225,000 members through a broad range of loan products— continuing our longstanding philosophy of “people helping people.”

During the year, charge offs increased to 1.25%, reflecting the financial pressures faced by many households. Even so, Suncoast continued to expand its financial strength. Total assets approached $20 billion, representing a 10.3% increase from 2024. Membership grew by 8.25%, with 105,000 net new members joining the credit union. We also reinforced our financial resiliency by adding $302 million to reserves.

Growth in our loan portfolio was driven by strong performance across several key categories, including auto loans, mortgage lending, lines of credit,

and member business loans. In total, these areas contributed to $8.2 billion in new loan originations. A competitive rate environment enabled us to maintain member loyalty and support continued expansion.

On the deposit side, members benefited from attractive savings options throughout the year. Certificates of deposit grew by more than $1.3 billion, reflecting strong demand for secure savings products. While core deposits increased modestly by 2.2% amid ongoing economic headwinds, overall deposit balances rose a healthy 9.7%.

As we look ahead to 2026 and the uncertainties that may arise, Suncoast remains steadfast in its commitment to improving the financial well-being of our members and the communities we serve. With continued momentum in both membership and lending, we are well positioned to deliver value, enhance financial stability, and safeguard our members’ futures.

The Suncoast Board of Directors, management team, and staff remain united in their dedication to providing exceptional service and supporting our members through every stage of their financial journeys.

1,377,016 $15,930,463,400 $13,596,504,784 $1,723,034,292 $17,961,965,204 1,272,024

Asset Allocation

Liabilities & Members’ Equity Allocation ASSETS

LOANS TO MEMBERS, NET INVESTMENTS

CASH & CASH EQUIVALENTS

OTHER ASSETS

NCUA SHARE INSURANCE FUND

PROPERTY & EQUIPMENT, NET

Liabilities & Members’ Equity

Transfer to Reserves

Statement of Operations

INTEREST INCOME 2024 2025

Interest on Loans

Interest on Investments

TOTAL INTEREST INCOME

INTEREST EXPENSE

Dividends to Members

Cost of Borrowed Funds

TOTAL INTEREST EXPENSE

NET INTEREST INCOME

Net Interest Income Provision for Loan Losses

Net Interest Income after

TOTAL SERVICE INCOME Provision for Loan Losses

NET NON INTEREST EXPENSE

TOTAL OPERATING EXPENSE INCOME FROM OPERATIONS

NON OPERATING

Non-Operating Gains (Losses)

TRANSFERS TO RESERVES

$757,587,988 172,458,872

$930,046,860

$(316,797,557) (50,205,555) $(367,003,111)

$159,927,129

$(405,712,450) $123,758,427

$12,293,122

$136,051,549

$563,043,748 (193,500,000) $369,543,748 $(467,154,083) $197,037,568 $18,028,971 $215,066,539 $180,975,127 $928,275,431 135,979,701 $1,064,255,132 $(366,250,676) (11,287,933) $(377,538,608) $686,716,524 (203,500,000) $483,216,524

Comparative Balance Sheet

Cash & Cash Equivalents

Investments

Loans to Members

Allowance for Loan Losses

Loans to Members, Net

Property & Equipment, Net

Accrued Income

NCUA Share Insurance Fund

Other Assets

TOTAL ASSETS

ASSETS LIABILITIES

Total Deposits

Borrowed Funds

Accounts Payable & Other Liabilities

TOTAL LIABILITIES

MEMBERS’ EQUITY 12/31/24 12/31/25

Accumulated Other Comprehensive Income

Regular Reserve & Undivided Earnings

TOTAL MEMBERS’ EQUITY

$1,288,530,059 2,507,583,095 13,596,504,784 (252,277,646) 13,344,227,139 179,739,276 61,242,654 147,774,319 432,868,662

$17,961,965,204 191,539,093 64,843,480 158,753,992 514,768,925 $19,816,428,224 $1,639,100,958 1,883,953,456 15,637,835,109 (274,366,789) 15,363,468,320

$15,930,463,400 376,580,544 185,561,716

$16,492,605,660 $17,477,627,001 375,190,056 214,134,305 $18,066,951,362

TOTAL LIABILITIES & $(153,030,069) 1,622,389,613

MEMBERS’ EQUITY

$17,961,965,204 $(87,979,290) 1,837,456,152 $1,749,476,862 $19,816,428,224

$1,469,359,544

BUILDING MOMENTUM TO IMPROVE OUR MEMBERS’ LIVES

Suncoast is driven by the evolving needs of our members. In 2025, growth means empowering more people with the tools, education, and support they need to move forward with confidence.

From everyday banking to major life milestones, our products and services are designed to grow alongside our members’ goals.

GROWING LENDING SOLUTIONS WITH A PURPOSE

Our lending solutions continue to help members turn goals into reality, whether purchasing a car, a home, starting a business, or managing unexpected challenges.

TOTAL NUMBER OF LOANS GRANTED IN 2025: 226,465

BUSINESS LOANS $667,953,405 MORTGAGE LOANS $4,891,740,370 INSTALLMENT LOANS $1,168,769,045 $6,830,448,024 AUTO LOANS

A BETTER PATH FORWARD. Member’s Story

One Friday evening, a new member walked into a branch to open an account with Patricia, never expecting to walk out with a much better financial path. As they chatted, Patricia asked a few thoughtful questions and quickly uncovered a recent signature loan the member had taken out elsewhere, burdened with a steep 29.35% interest rate and a $900 processing fee.

Recognizing an opportunity to make an immediate impact, Patricia ran a Suncoast refinance quote right then and there. The results were game changing: the interest rate was cut in half, monthly payments dropped by $120, and the member stayed fully protected. Thrilled, the member applied on the spot and was approved, not only for the amount needed, but for an extra $1,000 as well, which she happily accepted.

True to our commitment to Being the Member’s Advocate, Patricia also shared Suncoast’s no fee accounts and current promotions, including a chance to win a free year of groceries by switching direct deposit. The experience wrapped up with a conversation about a Smart Start Certificate and future mortgage refinance options, leaving the member excited, empowered, and confident she made the right move.

GROWING OUR LOCAL BUSINESSES WITH A PURPOSE

Through our Business and Commercial Banking services, we empower enterprises of all sizes – helping them scale sustainably, support their employees, and contribute to a stronger local economy. By investing in businesses, public institutions, and workforce well-being, we are building momentum that fuels long-term success for both our members and the communities we call home.

Growing Our Business Solutions

As Suncoast grows, so do the solutions we offer, and that growth opens new doors for our business members. Our commercial banking capabilities support businesses as they invest, scale, and operate with confidence.

We combine the strength of a commercial bank with a relationship-driven approach. Competitive terms, lower fees, and no intangible tax mean more capital stays where it belongs: in our members’ businesses. And as our membership continues to grow, we grow right alongside them, evolving our services to meet changing needs at every stage.

Expanding Our Commercial Reach

In 2025, Suncoast achieved a significant milestone by becoming a Qualified Public Depositor (QPD). This designation allows us to expand beyond traditional business enterprises and serve government entities and public institutions. It strengthens our commercial platform and reinforces our role as a trusted partner in the responsible stewardship of community funds.

Protection That Scales With Our Members

In today’s fast moving business environment, protecting capital is just as important as managing daily operations. To meet that need, Suncoast launched SecureSelect Extended Insurance Accounts, delivering up to $15 million in extended NCUA share insurance while maintaining seamless access and full account visibility.

$667,953,405 Member Business Loans

CONTINUED GROWTH IN BUSINESS MEMBER ACCOUNTS

Data reflects the 2015–2025 time period

GROWING OUR KEY PROGRAMS AND PARTNERSHIPS WITH A PURPOSE

As our members’ lives evolve, so do their needs, and Suncoast remains a trusted partner at every stage. Through the development of purpose driven programs and partnerships, we are expanding access, removing barriers, and delivering meaningful support where it matters most.

By meeting members at critical moments in life and business, these partnerships deepen relationships and allow Suncoast to reinvest in stronger services, enhanced benefits, and long term community impact – building a more resilient future for both our members and the communities we serve.

Supporting Homeownership

Buying a home is more than a transaction, it’s a long-term commitment. Suncoast supports members throughout the journey, starting with our Mortgage Resource Hub, which launched in 2025 offering tools for managing mortgages and home equity loans, including payment options, escrow and insurance insights, and hardship support. Members Insurance Center, LLC further strengthens this journey by providing easy access to reliable home insurance options.

When members are ready to buy or sell, Suncoast Realty Solutions, LLC, and Members Title Agency, LLC, deliver end-to-end guidance, streamlined processes, and often lower overall costs – helping make a major milestone simpler and more confident.

Expanding Affordable Homeownership With Habitat for Humanity

This year, Suncoast became the preferred lender for Habitat for Humanity in Lee & Hendry Counties, strengthening our commitment to affordable housing. Previously, Habitat self-funded its mortgages, limiting how many families could secure a home.

Through a unified effort across multiple areas of the organization, Habitat homebuyers now have access to Suncoast’s Affordable Home Mortgage along with financial education and support to set them up for long-term success.

With thousands seeking Habitat homes each year, this partnership expands the impact that both Suncoast and Habitat create by helping more families achieve accessible, sustainable homeownership.

Fueling Entrepreneurial Growth and Economic Opportunity

Suncoast is committed to helping entrepreneurs turn ideas into sustainable businesses. From first time owners to growing enterprises, we provide guidance, flexible lending, and personalized support designed to strengthen local economies and expand opportunity across our footprint.

Our SBA Loans and Microloans address nontraditional business needs, such as shorter operating histories or limited credit, helping remove barriers to entry while creating pathways to long-term success. In 2025, the Microenterprise Development Program facilitated nearly 100 consultations, supporting entrepreneurs with business planning, financial structuring, and potential access to capital.

SUPPORT WHEN IT MATTERS MOST.

Member’s Story

Recently at the Crystal River branch, Ricky and the Member Solutions team had the opportunity to make a meaningful difference for a member facing an incredibly difficult season of life. During her visit, she shared that she had been diagnosed with a terminal illness and was dealing with additional health challenges, both of which had taken a heavy toll emotionally and financially.

Living on a fixed monthly income of just $770, the member was struggling to keep up with her credit card payments and felt overwhelmed by the strain. Ricky listened with empathy and care, taking the time to fully understand her situation. Working closely with Member Solutions, he was able to restructure her credit card, lowering her monthly payment by $195, an adjustment that brought immediate and much‑needed relief.

Through compassion, teamwork, and thoughtful action, Ricky and the Member Solutions team turned a moment of stress into one of support and reassurance. The member left the service center feeling lighter, supported, and deeply grateful, reminded that even in the hardest moments, she wasn’t alone.

Education Community Spotlight

Suncoast has a long, proud history of supporting the education community, and our new partnership with the Lee County School District continues that commitment. Together with Economic Development, Workplace Banking, and local service center teams, we’re providing district employees with exclusive benefits, financial education, and personalized banking support.

Through ongoing financial wellness communications, onsite workshops, and convenient workplace banking, we’re helping educators build financial confidence and access the tools they need, right where they work. This partnership reinforces our dedication to the people who shape our schools every day and reflects our continued investment in their financial well-being.

Feeding Tampa Bay Partnership Spotlight

Suncoast strengthens community resilience by partnering with organizations that meet immediate needs while supporting long-term stability. Through programs addressing food security, workforce development, and financial empowerment, we help families navigate challenges and build a stronger future.

Suncoast’s partnership with Feeding Tampa Bay (FTB) reflects our commitment to supporting families with both essential resources and long-term opportunity.

2025 Partnership Highlights:

Financial literacy workshops for community members through their Fresh Force job training program

Supporting financial health for Feeding Tampa Bay employees including wellness fairs and regular workshop offerings

Pay It Forward Event with 100+ Suncoast Employees:

Together, Suncoast and FTB are strengthening stability and resilience for families across the region.

Supporting Financial Wellness in the Workplace

Through our Workplace Banking program, Suncoast brings financial education and personalized support directly to where members live and work. Our personal bankers partner with employers, community organizations, and workforce groups to help their employees build confidence, reduce financial stress, and make informed financial decisions.

In partnership with the Microenterprise Development team, Workplace Banking delivered more than 180 onsite presentations across Florida in 2025, reaching members and future members at pivotal moments in their financial journey. These sessions supported employees, teachers, support staff, business owners, aspiring entrepreneurs, and many others, expanding access to tools that strengthen financial well-being.

845 NEW MEMBERS, opening the door to more affordable financial solutions and long term support.

$7.5 MILLION IN NEW LOANS helped members consolidate debt, lower monthly payments, and gain financial breathing room.

$4.6 MILLION IN NEW DEPOSITS represented members building savings, creating safety nets, and taking meaningful steps toward financial stability.

Protecting What Matters Most

Financial security extends beyond banking. Members Insurance Center, LLC offers a range of insurance solutions, from health coverage to business protection, helping members safeguard their families, livelihoods, and investments while gaining peace of mind for the future.

Planning for the Future

Financial wellness is a lifelong journey, and Suncoast Investment Services* offers support for each stage of investing and retirement planning. A team of financial professionals is available to meet virtually or at a local Suncoast Credit Union branch to discuss long term goals, explore investment approaches, review retirement strategies, consider family and legacy needs, and provide check ins that help people feel informed about their financial direction and the options available to them.

*Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Suncoast Credit Union and Suncoast Investment Services are not registered as a broker dealer or investment advisor. Registered representatives of LPL offer products and services using Suncoast Investment Services, and may also be employees of Suncoast Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Suncoast Credit Union or Suncoast Investment Services. Securities and insurance offered through LPL or its affiliates are:

Over the summer we surprised longtime member Jose Garcia, with a full year of free mortgage payments as part of our statewide Year of No Payments Giveaway. Jose, a Suncoast member since age 11, celebrated the life changing prize with his family at the Zephyrhills branch.

This support helps us move toward a more secure future. I’m beyond grateful,” Jose shared.

The giveaway gave Suncoast members across Florida the chance to win a full year of paid mortgage, rent, or car payments. Jose continues a multigenerational connection to the credit union. His grandmother opened his first account, and his wife and daughters are members, too.

“Supporting our members through meaningful moments like this is what Suncoast is all about,” said Kevin Johnson, President/CEO at Suncoast. “Witnessing the life-changing power of financial support is a reminder of why we do what we do every single day.

WATCH THE VIDEO HERE:

Business Members Spotlight

“I’d definitely recommend Suncoast to other ranchers. It’s just the ease of being able to go in there to talk to somebody, the ease of being able to get a loan, to keep a business account. It’s the ease of dealing with them and the service we get is unbelievable.” -Arnie Sarlo

“For me, Suncoast is family. Suncoast is about helping the community and it really isn’t just them saying it. I’m the proof. I’ve been a member since 2002.” -Latonia Boykins

BUILDING MOMENTUM THAT LIFTS OUR COMMUNITY

GROWING OPPORTUNITIES WITH A PURPOSE

Since our founding, Suncoast has believed that strong communities fuel strong futures. In 2025, our focus on growth reminds us that progress is most meaningful when it’s shared. Through partnerships, volunteerism, and targeted investment, we continue to support initiatives that strengthen families, education, and economic opportunity across our footprint.

THE POWER OF CONNECTION. Member’s Story

In September, a married couple stopped by the Service Center to close out their Jumbo Share Certificate, planning to move their funds for what they believed was a slightly better rate elsewhere. Service Center Manager Andrea stepped in to help and, with genuine curiosity, asked about their plans. When she shared Suncoast’s rate sheet and highlighted the new 21 month Promotional Share Certificate, the members were pleasantly surprised and quickly reconsidered.

As the conversation continued, Andrea discovered a personal connection: the members lived in the same complex as her aunt. That simple moment of connection, paired with exceptional service, made a lasting impression. Just two hours later, the members returned with a check for over $400,000 to open an additional 21 month Jumbo CD. One of the members even shared that she skipped her regular card game just to come back and work with Andrea again.

What began as funds headed elsewhere turned into over $700,000 retained through trust, connection, and outstanding service, an unmistakable example of Service Delivery Excellence in action.

Suncoast Credit Union

Foundation By the Numbers

TOTAL DONATIONS IN 2025: $6.4 Million*

TOTAL NUMBER OF CHILDREN AND STUDENTS IMPACTED IN 2025: 3,507,224

TOTAL IN COLLEGE SCHOLARSHIPS IN 2025: $756,462.33

For more than 90 years, our dedication to serving you has remained unwavering and we’re far from finished.

In 1990, we launched the Suncoast Credit Union Foundation to deepen our impact and strengthen our bond with the communities we proudly serve. Through the Foundation, we’re able to uplift those facing challenges and fuel positive, lasting change, an honor that continues to inspire everything we do.

Learn more about how our Foundation supports the community:

A Grand Slam for the Community

In 2025, we were proud to continue our partnership with the Tampa Bay Rays to provide financial support for local nonprofits, for the third year. The program, called Every Hit is a Win, is something we look forward to every year – it’s a fun and exciting way to engage with our community and benefit local nonprofits in the process. Talk about a win-win!

Each month during baseball season, we hand-picked two local nonprofit organizations with missions aligned with our core values to participate. Each time the Rays scored a hit, Suncoast added $79 to a donation pot (to represent our 79 branches at the time).

The nonprofits each had one month to rack up votes on a poll hosted on Suncoast’s website. At the end of the month, the funds were divided between the two organizations based on the percentage of votes they received, so no organization walked away empty-handed. And to really end the season on a high note, we hosted all of the nonprofits at a Rays game to network, collaborate, and celebrate the success of the season. Every hit truly was a win!

APRIL

• Keep Pinellas Beautiful, Inc.

• Polk County Bully Project

MAY

• Ability to Include, Inc.

• Salesian Youth Center

JUNE

• Daystar Life Center

• Green Book of Tampa Bay

JULY

• One Community Now

• Our Mother’s Home of Southwest Florida

AUGUST

• Boys and Girls Clubs of Citrus County

• Community Tampa Bay

SEPTEMBER

• Champions for Children

• Community Cooperative

Investing Time Into Our Communities

For over 90 years, our Suncoast team has been out and about across Florida, doing our best to make a positive, lasting impact on the communities we love. Getting to see our members in person, sharing real moments, and supporting them, however we can, that’s truly our favorite part of what we do.

Every recognition we receive reflects our dedication to offering nothing but the best to our members. These commendations are a testament to the hard work of our team in 2024

COMMUNITY IMPACT: BY THE NUMBERS

47,975 1,807 $1,699,050

TOTAL VOLUNTEER HOURS

AWARENESS & OUTREACH

Community Impact Award Winners

Each year, Suncoast celebrates employees who go above and beyond to drive our mission of improving the lives of our members. The 2025 Community Impact Awards recognized its winners for their outstanding commitment to our community the previous year.

CAROLYN PARSLOW LEGACY AWARD

Named after a former Suncoast employee who brought her heart to work every day during her almost 50 years at Suncoast, this award is our greatest honor.

WINNER: Gissell Herrera

PEER CHOICE AWARD

EXCELLENCE IN FINANCIAL EDUCATION AWARD

This award went to two employees who used their time and talent to empower and encourage audiences to improve their financial habits.

WINNERS: (from left to right) Brandon Martinez and Kayla Melanson

Four winners were selected by their peers at Suncoast, each from a different area of Suncoast’s footprint. These Peer Choice Award winners showcased exemplary acts of service, meaningful impact in the community, and a remarkable level of commitment.

WINNERS:

GROWING YOUTH OUTREACH WITH A PURPOSE

– Financial Education Presentations

16,860 – Students (K-12) & Young Adults Impacted

14,116 – Youth Community Events Participants Impacted

$22,099.74 – Provided to Support Youth Programs, Services, & Initiatives

$46,210.02 – Total Non-sponsorship Payments Including Giveaway Items

267 – Schools and youth nonprofits impacted

Student Run Branches:

Empowering Our Students to Learn About

Finances

There’s no better way to learn than by jumping right in. That’s why Suncoast’s Student Run Branches (SRBs) give students real, hands on experience in roles like Branch Manager, Marketing Manager, and Teller—processing applications, accepting deposits, and serving their fellow students and school staff.

Our Suncoast team partners with each SRB to help students share the credit union difference through campaigns, presentations, and seminars that they lead from start to finish.

These branches do more than teach financial know-how, they push students to grow through new challenges, develop practical technical and interpersonal skills, build strong resumes, and gain a competitive edge when it’s time to apply for jobs or college.

This year, Suncoast added 5 new SRBs to our program, making for a total of 26 managed SRBs in 2025. The new schools were located in Lee, Hillsborough, Collier, and DeSoto Counties.

SERVICE THAT MAKES A DIFFERENCE.

Member’s Story

On a day when everything was already carefully timed, one delay nearly cost a member her rent. As the full‑time caregiver for her elderly parent, she rarely leaves home and when a nurse arrived late, she feared she’d miss the branch closing and the chance to pick up the check she urgently needed.

Panicked, she called the Member Care Center just minutes before closing and was connected to Brittany at her local branch. Hearing the urgency in her voice, Brittany took ownership immediately. When the member arrived, Brittany met her outside the branch, even though it was already closed, prepared with everything needed, receipt, ID verification, and the check. Her proactive approach and willingness to go above and beyond made all the difference.

What could have been a financial setback became a moment of relief and gratitude. The member later shared that Brittany’s kindness changed her day, and her life. In one simple act, Brittany turned stress into hope, perfectly reflecting the heart of Suncoast service.

Quote from the member:

“In a world where nothing is to be expected, a little bit of kindness can be the difference in someone’s life. A moment that may seem so insignificant to someone, can quite literally change our life in so many ways.”

Growing Together BUILDING MOMENTUM TOWARD MEANINGFUL CAREERS

At Suncoast, growth starts from within. We’re committed to creating meaningful career paths, expanding learning opportunities, and fostering a culture where our employees can thrive.

Because when our people grow, so does our ability to serve more members.

Suncoast had 74,689 job applicants in 2025, and we hired 475 new team

members. By the end of the year, we had 2,620 employees working to improve the financial lives of our members.

In 2025, 49.12% of all non-entry level roles were filled by an internal candidate.

We love to provide opportunities for our team to grow!

GROWING SKILLS AND STRENGTH WITH A PURPOSE

At Suncoast, we know that ongoing growth fuels long-term success. That’s why we invest in continuous learning and development, empowering our teams to sharpen their talents, expand their expertise, and reach new heights.

We make professional growth a constant opportunity at Suncoast. Our employees have unlimited access to development courses that help them expand their expertise in areas like problem-solving, communication, and public speaking, empowering them to enrich their careers at their own pace.

We love to learn from one another at Suncoast. Through our CU360 job-shadowing program, team members can step into another department, gain new perspectives, and build stronger cross-functional understanding.

And for those ready to lead, we offer structured pathways to grow. Our Manager Development Journey equips leaders with hands-on workshops and tools they can apply immediately, while our year-long Leadership Excellence Achievement Program (LEAP) shapes the next generation of high-impact leaders.

CONGRATULATIONS TO THE 2025 LEAP GRADUATES

LOCATIONS

CORPORATE HEADQUARTERS

MAIN OFFICES

6536 East Hillsborough Avenue | Tampa, FL 33610

4315 Metro Parkway | Fort Myers, FL 33903

BUSINESS SERVICES

950 West Fletcher Avenue | Tampa, FL 33612

CHARLOTTE COUNTY

Charlotte Harbor

23141 Harbor View Road | Port Charlotte, FL 33980

Port Charlotte

19501 Cochran Boulevard | Port Charlotte, FL 33948

Punta Gorda

2310 Tamiami Trail, Unit 2129 | Punta Gorda, FL 33950

CITRUS COUNTY

Crystal River

1039 NE 5th Street | Crystal River, FL 34429

Inverness

2367 East Gulf to Lake Highway | Inverness, FL 34453

COLLIER COUNTY

Berkshire Commons

7211 Radio Road | Naples, FL 34104

Golden Gate

7465 Vanderbilt Beach Road | Naples, FL 34119

Immokalee

1243 North 15th Street | Immokalee, FL 34142

Naples Horseshoe

2728 Horseshoe Drive North | Naples, FL 34104

North Naples

1035 Crosspointe Drive | Naples, FL 34110

WESTTAMPA SERVICE CENTER

Pine Ridge

3655 Pine Ridge Road | Naples, FL 34109

South Naples

8797 Tamiami Trail East | Naples, FL 34113

Arcadia

1328 E Oak Street | Arcadia, FL 34266

DESOTO COUNTY HARDEE COUNTY

Wauchula 1451 U.S. Highway 17 North | Wauchula, FL 33873

HENDRY COUNTY

LaBelle

231 East Hickpochee Avenue | LaBelle, FL 33935

HERNANDO COUNTY

Brooksville

18915 Cortez Boulevard | Brooksville, FL 34601

Spring Hill 4176 Mariner Boulevard | Spring Hill, FL 34609

LEE COUNTY HIGHLANDS COUNTY

Sebring

6505 U.S. Highway 27 North | Sebring, FL 33870

HILLSBOROUGH COUNTY

Belmont

14391 South U.S. Highway 301 | Wimauma, FL 33598

Brandon 1370 Oakfield Drive | Brandon, FL 33511

Citrus Park

8017 Citrus Park Drive | Tampa, FL 33625

East Tampa Community

1920 East Hillsborough Avenue | Tampa, FL 33610

Fletcher 950 West Fletcher Avenue | Tampa, FL 33612

Galleria

4340 West Hillsborough Avenue | Tampa, FL 33614

Hillsborough Avenue

6804 East Hillsborough Avenue | Tampa, FL 33610

New Tampa

17505 North Palms Village Place | Tampa, FL 33647

Plant City

1905 South Alexander Street | Plant City, FL 33566

Riverview

10405 Gibsonton Drive | Riverview, FL 33578

Ruskin 150 Teco Road | Ruskin, FL 33570

Seffner

901 West Dr. Martin Luther King Jr. Boulevard | Seffner, FL 33584

South Tampa

2502 South Manhattan Avenue | Tampa, FL 33629

Town ‘n’ Country

8201 West Waters Avenue | Tampa, FL 33615

Valrico

3234 South Miller Road | Valrico, FL 33596

West Tampa

3300 North Armenia Avenue | Tampa, FL 33607

Bonita Springs

25183 Chamber of Commerce Drive | Bonita Springs, FL 34135

Cape Coral Del Prado 5 Del Prado Boulevard South | Cape Coral, FL 33990

Cape Coral Santa Barbara

2325 Santa Barbara Boulevard | Cape Coral, FL 33991

Cape Coral Southwest 1730 Cape Coral Parkway West | Cape Coral, FL 33914

College Parkway 9131 College Parkway, Suite 135 | Fort Myers, FL 33919

Daniels Parkway 13465 Daniels Commerce Boulevard | Fort Myers, FL 33966

East Fort Myers

4491 Underwood Drive | Fort Myers, FL 33905

Estero 19750 South Tamiami Trail | Fort Myers, FL 33908

Fort Myers - Matthew Drive 1533 Matthew Drive | Fort Myers, FL 33907

Lee Boulevard

5705 Lee Boulevard, Suite 7 | Lehigh Acres, FL 33971

Lehigh Acres

226 Beth Stacey Boulevard | Lehigh Acres, FL 33936

North Fort Myers

565 Pine Island Road | Fort Myers, FL 33903

Pine Island 901 SW Pine Island Road | Cape Coral, FL 33991

Riverdale 14201 Palm Beach Boulevard | Fort Myers, FL 33905

Treeline

10580 Colonial Boulevard, Unit 108 | Fort Myers, FL 33913

LEVY COUNTY

Chiefland

2153 Northwest 11th Drive | Chiefland, FL 32626

MANATEE COUNTY

Bradenton Main

6001 26th Street West | Bradenton, FL 34207

East Bradenton

8700 East State Road 70 | Bradenton, FL 34202

Ellenton 7204 US-301 Ellenton | FL 34222

Lakewood Ranch

11021 East State Road 64, Suite 102 | Bradenton, FL 34212

West Bradenton

6367 Manatee Avenue West | Bradenton, FL 34209

ORANGE COUNTY

Aloma

1870 Aloma Avenue, Suite 100 | Winter Park, FL 32789

South Orange Blossom

12402 South Orange Blossom Trail, Suite 9 | Orlando, FL 32837

South Semoran 4530 South Semoran Boulevard | Orlando, FL 32822

OSCEOLA COUNTY

West Osceola

1221 West Osceola Parkway | Kissimmee, FL 34741

PASCO

COUNTY

Dade City

12510 South Highway 301 | Dade City, FL 33525

Holiday 3422 U.S. Highway 19 | Holiday, FL 34691

Land O’ Lakes

1837 Collier Parkway | Lutz, FL 33549

Port Richey

7225 Ridge Road | Port Richey, FL 34668

Trinity

11370 State Road 54 | New Port Richey, FL 34655

Wiregrass

27213 State Road 56 | Wesley Chapel, FL 33544

Zephyrhills

32745 Eiland Boulevard | Zephyrhills, FL 33545

PINELLAS COUNTY

Countryside 1875 North Belcher Road, Suite 100 | Clearwater, FL 33765

Downtown St. Petersburg 1022 Central Avenue | St. Petersburg, FL 33705

South St. Petersburg 2120 34th Street South | St. Petersburg, FL 33711

St. Pete Roosevelt 12450 Roosevelt Blvd North | St. Petersburg, FL 33716

POLK COUNTY

Lakeland 919 Lakeland Park Center Drive, Unit 360 | Lakeland, FL 33809

South Lakeland 6405 South Florida Avenue | Lakeland, FL 33813

SARASOTA COUNTY

Bee Ridge 4402 Bee Ridge Road | Sarasota, FL 34233

Fruitville 5851 Fruitville Road | Sarasota, FL 34232

North Port 4451 Aidan Lane, Suite 100 | North Port, FL 34287

South Venice 1729 South Tamiami Trail | Venice, FL 34293

SUMTER COUNTY

Bushnell 217 West Belt Avenue | Bushnell, FL 33513

Wildwood 5625 Seven Mile Drive, Suite 102 | Wildwood, FL 34785

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