# EDGAR Filing Document

**Accession Number:** 0002001744
**File Stem:** 0001539497-25-001924
**Filing Date:** 2025-7
**Character Count:** 21213
**Document Hash:** 36bf4b77c2d6ec519b4a777bf6dfc5ac
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001539497-25-001924.hdr.sgml**: 20250721

**ACCESSION NUMBER**: 0001539497-25-001924

**CONFORMED SUBMISSION TYPE**: ABS-15G

**PUBLIC DOCUMENT COUNT**: 4

**CONFORMED PERIOD OF REPORT**: 20250721

**ITEM INFORMATION**: Findings and Conclusions of the Third Party Due Diligence Provider Obtained by the Issuer

**FILED AS OF DATE**: 20250721

**DATE AS OF CHANGE**: 20250721

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

**ABS ASSET CLASS**: Auto loans

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SCCU Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002001744

**ORGANIZATION NAME:**
- **EIN:** 590746906
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06863
- **FILM NUMBER:** 251136695

**BUSINESS ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940
- **BUSINESS PHONE:** (321) 752-2222

**MAIL ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940
**DEPOSITOR**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SCCU Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002001744

**ORGANIZATION NAME:**
- **EIN:** 590746906
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act

**BUSINESS ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940
- **BUSINESS PHONE:** (321) 752-2222

**MAIL ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940
**SECURITIZER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** SCCU Auto Funding LLC
- **CENTRAL INDEX KEY:** 0002001744

**ORGANIZATION NAME:**
- **EIN:** 590746906
- **STATE OF INCORPORATION:** DE
- **FISCAL YEAR END:** 1231

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-06863

**BUSINESS ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940
- **BUSINESS PHONE:** (321) 752-2222

**MAIL ADDRESS:**
- **STREET 1:** 8045 N. WICKHAM ROAD
- **CITY:** MELBOURNE
- **STATE:** FL
- **ZIP:** 32940

**UNITED STATES<br> SECURITIES AND EXCHANGE COMMISSION<br> Washington, D.C. 20549** 

**FORM ABS-15G**

**ASSET-BACKED SECURITIZER<br> Report Pursuant to Section 15G of** 

**the Securities Exchange Act of 1934**

<br> Check the appropriate box to indicate the filing obligation to which this form is intended to satisfy:<br>

[_] Rule 15Ga-1 under the Exchange Act (17 CFR 240.15Ga-1) for the reporting period _________________ to _________________

Date of Report (Date of earliest event reported)______________________

Commission File Number of securitizer: ____________________

Central Index Key Number of securitizer: ___________________

<br> Name and telephone number, including area code, of the person to <br> contact in connection with this filing

Indicate by check mark whether the securitizer has no activity to report for the initial period pursuant to Rule 15Ga-1(c)(1) [_]<br>Indicate by check mark whether the securitizer has no activity to report for the quarterly period pursuant to Rule 15Ga-1(c)(2)(i) [_]<br>Indicate by check mark whether the securitizer has no activity to report for the annual period pursuant to Rule 15Ga-1(c)(2)(ii) [_]

[✔] Rule 15Ga-2 under the Exchange Act (17 CFR 240.15Ga-2)

Central Index Key Number of depositor: <u>0002001744</u> 

<u>SCCU Auto Receivables Trust 2025-1</u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): <u>Not applicable</u> 

Central Index Key Number of underwriter (if applicable): <u>Not applicable</u> 

<u>Gabe Engman, (321) 752-2222</u> <br> Name and telephone number, including area code, of the person to <br> contact in connection with this filing

**INFORMATION TO BE INCLUDED IN THE REPORT**

**FINDINGS AND CONCLUSIONS OF THIRD-PARTY DUE DILIGENCE REPORTS**

**Item 2.01 Findings and Conclusions of a Third Party Due Diligence Report Obtained by the Issuer**

Attached as Exhibit 99.1 hereto is an agreed-upon procedures report, dated July 17, 2025, of KPMG LLP, obtained by the issuer, with respect to certain agreed-upon procedures performed by KPMG LLP.

**SIGNATURES**

Pursuant to the requirements of the Securities Exchange Act of 1934, the reporting entity has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

---

| | | | |
|:---|:---|:---|:---|
|  | SCCU AUTO FUNDING LLC | SCCU AUTO FUNDING LLC | SCCU AUTO FUNDING LLC |
|  | (Depositor) |  |  |
| Date: July 21, 2025 |  |  |  |
|  | By: | Gabe Engman | Gabe Engman |
|  |  | Name: | Gabe Engman |
|  |  | Title: | Senior Vice President and Chief Financial Officer |

---

Exhibit 99.1 Agreed-upon procedures report, dated July 17, 2025 of KPMG LLP.

## Exhibit 99.1

**Exhibit 99.1**

---

| | |
|:---|:---|
| ![](kpmglogo.jpg) |  |
|  | KPMG LLP<br> Suite 700<br> 20 Pacifica<br> Irvine, CA 92618-3391 |

---

**Independent Accountants' Agreed-Upon Procedures Report** 

Space Coast Credit Union (the "Company")

J.P. Morgan Securities LLC

BofA Securities, Inc.

Stifel, Nicolaus & Company, Incorporated

(together, the "Specified Parties")

Re: SCCU Auto Receivables Trust 2025-1 – Data File Procedures

We have performed the procedures described below on the specified attributes in an electronic data file entitled "Loan Pool ($750mm) June 2025.xlsx," provided by the Company on July 3, 2025, containing information on 20,089 motor vehicle retail installment sale contracts (the "Receivables") as of June 30, 2025 (the "Data File"), which we were informed are intended to be included as collateral in the offering by SCCU Auto Receivables Trust 2025-1. The Company is responsible for the specified attributes identified by the Company in the Data File.

The Specified Parties have agreed to and acknowledged that the procedures performed are appropriate to meet their intended purpose of assisting specified parties in evaluating the accuracy of the specified attributes in the Data File. This report may not be suitable for any other purpose. No other parties have agreed to or acknowledged the appropriateness of these procedures for the intended purpose or any other purpose.

The procedures performed may not address all the items of interest to a specified party of this report and may not meet the needs of all specified parties of this report and, as such, specified parties are responsible for determining whether the procedures performed are appropriate for their purposes. We make no representation regarding the appropriateness of the procedures either for the intended purpose or for any other purpose.

Unless otherwise stated, the following definitions have been adopted in presenting our procedures and findings:

· The term "compared" means compared to the information shown and found it to be in agreement, unless otherwise stated. Such compared information was deemed to be in agreement if differences were within the reporting threshold.

· The term "recomputed" means recalculated and compared the result to the information shown and found it to be in agreement, unless otherwise stated. Such recomputed information was deemed to be in agreement if differences were within the reporting threshold.

· The term "reporting threshold" means that dollar amounts, percentages, and Remaining Term to Maturity were within $1.00, 0.1%, and 1 month, respectively.

· The term "Cutoff Date" means June 30, 2025.

· The term "Fiserv DNA System" means the Company's core servicing system, which contains a "Transaction History" screen and a "Relationship Profile" screen.

· The term "Insurance Document" means a scanned image of one of the insurance documents listed in Exhibit C which the Company informed us are acceptable forms of insurance document.

KPMG LLP, a Delaware limited liability partnership and a member firm of <br> the KPMG global organization of independent member firms affiliated with <br> KPMG International Limited, a private English company limited by guarantee.

![](kpmglogo2.jpg)

· The term "Title Document" means a scanned image of one of the title documents listed in Exhibit C which the Company informed us are acceptable forms of title document.

· The term "Acceptable Company Names" means the company names listed in Exhibit C, which the Company informed us are acceptable names for the Company that can appear in the Title Document as the lien holder, owner, security interest holder, or secured party.

· The term "Instructions" means the instructions provided by the Company pertaining to a procedure, attribute, or methodology, as described in the procedures below.

· The term "Receivable File" means the following documents provided by the Company for the Selected Receivables (defined below) as applicable:

– "Transaction History" screen in the Fiserv DNA System

– "Relationship Profile" screen in the Fiserva DNA System

– Credit Application

– Credit Report

– Installment Sale Contract

– Insurance Document

– Redisclosure Letter

– Title Document

– Electronic mail correspondence from the Company on July 15, 2025, containing the mapping for vehicle makes and vehicle models (the "Vehicle Make and Model Mapping")

We make no representation regarding the validity or accuracy of these documents or the execution of these documents by the obligor or the Company.

· The term "Provided Information" means the Cutoff Date, Acceptable Company Names, Instructions and Receivable File.

The procedures we were instructed by the Company to perform and the associated findings are as follows:

A. We randomly selected a sample of 150 Receivables from the Data File (the "Selected Receivables"). A listing of the Selected Receivables is attached hereto as Exhibit A. For purposes of this procedure, the Company did not inform us of the basis they used to determine the number of Receivables we were instructed to randomly select from the Data File.

B. For each Selected Receivable, we compared or recomputed the specified attributes in the Data File listed below to or using the corresponding information included in the Receivable File, utilizing the Instructions, as applicable. The Specified Parties indicated that the absence of any of the information in the Receivable File or the inability to agree the indicated information from the Data File to the Receivable File for each of the attributes identified, utilizing the Instructions, as applicable,
constituted an exception. The Receivable File documents are listed in the order of priority.

---

| | |
|:---|:---|
| **<u>Attribute</u>** | **<u>Receivable File/Instructions</u>** |
| Account Number | "Transaction History" screen in the Fiserva DNA System |
| Vehicle Identification Number (VIN) | Installment Sale Contract |

---

![](kpmglogo2.jpg)

---

| | |
|:---|:---|
| **<u>Attribute</u>** | **<u>Receivable File/Instructions</u>** |
| Origination Date | "Transaction History" screen in the Fiserva DNA System |
| Monthly P&I Payment | Installment Sale Contract, Redisclosure Letter |
| Original Amount Financed | Installment Sale Contract |
| Original Term To Maturity | Installment Sale Contract |
| Annual Percentage Rate (APR) | Installment Sale Contract, Redisclosure Letter |
| Model Type (New/Used) | Installment Sale Contract |
| Vehicle Model Year | Installment Sale Contract |
| Vehicle Make | Installment Sale Contract, Vehicle Make and Model Mapping |
| Vehicle Model (Excluding Trim Or Engine Type) | Installment Sale Contract, Vehicle Make and Model Mapping |
| Borrower State (Current) | Installment Sale Contract, "Relationship Profile" screen in the Fiserva DNA System |
| First Payment Date | Installment Sale Contract |
| Remaining Term to Maturity | Recompute as the difference in months between (i) the First Payment Date plus Original Term to Maturity appearing in the Installment Sale Contract, and (ii) the Cutoff Date |
| Loan credit score (used for decision) | Credit Report |

---

We found such information to be in agreement except as listed in Exhibit B.

C. For each Selected Receivable, we observed the presence of the following in the Receivables File:

Title Document. We were instructed by the Company to observe one of the Acceptable Company Names on the Title Document as the legal owner, lien holder, owner, security interest holder, or secured party.

Proof of Insurance

Signed Credit Application. We make no representation regarding the authenticity of the signature(s).

Truth-in-Lending Disclosure Statement in Installment Sale Contract

Signed Installment Sale Contract. We make no representation regarding the authenticity of the signature(s).

We found such information to be present.

![](kpmglogo2.jpg)

We were engaged by the Company to perform this agreed-upon procedures engagement and conducted our engagement in accordance with attestation standards established by the American Institute of Certified Public Accountants, which involves us performing the specific procedures agreed to and acknowledged above and reporting on findings based on performing those procedures. We were not engaged to and did not conduct an examination or review, the objective of which would be the expression of an opinion or conclusion, respectively, on the specified attributes in the Data File. Accordingly, we do not express such an opinion or conclusion. Had we performed additional procedures, other matters might have come to our attention that would have been reported.

We are required to be independent of the Company and to meet our other ethical responsibilities, in accordance with the relevant ethical requirements related to our agreed-upon procedures engagement.

The procedures performed were applied based on the information included in the Data File and Provided Information, without verification or evaluation of such information by us; therefore, we express no opinion or any other form of assurance regarding (i) the reasonableness of the information provided to us by the Company, (ii) the physical existence of the Receivables, (iii) the reliability or accuracy of the Provided Information which was used in our procedures, or (iv) matters of legal interpretation.

The procedures performed were not intended to address, nor did they address: (i) the conformity of the origination of the Receivables to stated underwriting or credit extension guidelines, standards, criteria or other requirements, (ii) the value of collateral securing any such Receivables being securitized, (iii) the compliance of the originator of the Receivables with federal, state, and local laws and regulations, or (iv) any other factor or characteristic of the Receivables that would be material to the likelihood that the issuer of the asset-backed security will pay interest and principal in accordance with applicable terms and conditions. The procedures performed were not intended to satisfy any criteria for due diligence published by the nationally recognized statistical rating organizations ("NRSROs").

The terms of our engagement are such that we have no responsibility to update this report because of events and circumstances that may subsequently occur.

This report is intended solely for the information and use of the Specified Parties. It is not intended to be and should not be used by any other person or entity, including investors or the NRSROs, who are not identified in the report as the Specified Parties but may have access to this report as required by law or regulation.

/s/ KPMG LLP

Irvine, California<br> July 17, 2025

**Exhibit A**

**The Selected Receivables**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| &nbsp;&nbsp; <br> **Selected<br> <u>Receivable #</u>** | &nbsp;&nbsp;**Receivable<br> <u>Number</u>**<u><sup>1</sup></u> | &nbsp;&nbsp;**Selected<br> <u>Receivable #</u>** | &nbsp;&nbsp;**Receivable<br> <u>Number</u>**<u><sup>1</sup></u> | &nbsp;&nbsp;**Selected<br> <u>Receivable #</u>** | &nbsp;&nbsp;**Receivable<br> <u>Number</u>**<u><sup>1</sup></u> |
| 1 | 20251001 | 51 | 20251051 | 101 | 20251101 |
| 2 | 20251002 | 52 | 20251052 | 102 | 20251102 |
| 3 | 20251003 | 53 | 20251053 | 103 | 20251103 |
| 4 | 20251004 | 54 | 20251054 | 104 | 20251104 |
| 5 | 20251005 | 55 | 20251055 | 105 | 20251105 |
| 6 | 20251006 | 56 | 20251056 | 106 | 20251106 |
| 7 | 20251007 | 57 | 20251057 | 107 | 20251107 |
| 8 | 20251008 | 58 | 20251058 | 108 | 20251108 |
| 9 | 20251009 | 59 | 20251059 | 109 | 20251109 |
| 10 | 20251010 | 60 | 20251060 | 110 | 20251110 |
| 11 | 20251011 | 61 | 20251061 | 111 | 20251111 |
| 12 | 20251012 | 62 | 20251062 | 112 | 20251112 |
| 13 | 20251013 | 63 | 20251063 | 113 | 20251113 |
| 14 | 20251014 | 64 | 20251064 | 114 | 20251114 |
| 15 | 20251015 | 65 | 20251065 | 115 | 20251115 |
| 16 | 20251016 | 66 | 20251066 | 116 | 20251116 |
| 17 | 20251017 | 67 | 20251067 | 117 | 20251117 |
| 18 | 20251018 | 68 | 20251068 | 118 | 20251118 |
| 19 | 20251019 | 69 | 20251069 | 119 | 20251119 |
| 20 | 20251020 | 70 | 20251070 | 120 | 20251120 |
| 21 | 20251021 | 71 | 20251071 | 121 | 20251121 |
| 22 | 20251022 | 72 | 20251072 | 122 | 20251122 |
| 23 | 20251023 | 73 | 20251073 | 123 | 20251123 |
| 24 | 20251024 | 74 | 20251074 | 124 | 20251124 |
| 25 | 20251025 | 75 | 20251075 | 125 | 20251125 |
| 26 | 20251026 | 76 | 20251076 | 126 | 20251126 |
| 27 | 20251027 | 77 | 20251077 | 127 | 20251127 |
| 28 | 20251028 | 78 | 20251078 | 128 | 20251128 |
| 29 | 20251029 | 79 | 20251079 | 129 | 20251129 |
| 30 | 20251030 | 80 | 20251080 | 130 | 20251130 |
| 31 | 20251031 | 81 | 20251081 | 131 | 20251131 |
| 32 | 20251032 | 82 | 20251082 | 132 | 20251132 |
| 33 | 20251033 | 83 | 20251083 | 133 | 20251133 |
| 34 | 20251034 | 84 | 20251084 | 134 | 20251134 |
| 35 | 20251035 | 85 | 20251085 | 135 | 20251135 |
| 36 | 20251036 | 86 | 20251086 | 136 | 20251136 |
| 37 | 20251037 | 87 | 20251087 | 137 | 20251137 |
| 38 | 20251038 | 88 | 20251088 | 138 | 20251138 |
| 39 | 20251039 | 89 | 20251089 | 139 | 20251139 |
| 40 | 20251040 | 90 | 20251090 | 140 | 20251140 |
| 41 | 20251041 | 91 | 20251091 | 141 | 20251141 |
| 42 | 20251042 | 92 | 20251092 | 142 | 20251142 |
| 43 | 20251043 | 93 | 20251093 | 143 | 20251143 |
| 44 | 20251044 | 94 | 20251094 | 144 | 20251144 |
| 45 | 20251045 | 95 | 20251095 | 145 | 20251145 |
| 46 | 20251046 | 96 | 20251096 | 146 | 20251146 |
| 47 | 20251047 | 97 | 20251097 | 147 | 20251147 |
| 48 | 20251048 | 98 | 20251098 | 148 | 20251148 |
| 49 | 20251049 | 99 | 20251099 | 149 | 20251149 |
| 50 | 20251050 | 100 | 20251100 | 150 | 20251150 |

---

(<sup>1</sup>) The Company has assigned a unique eight digit Receivable Number to each Receivable in the Data File. The Receivable Numbers referred to in this Exhibit are not the Company's actual account numbers.

**Exhibit B**

**Exceptions List**

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Selected<br> <u>Receivable #</u>** | &nbsp;&nbsp;**Receivable <u>Number</u>** | &nbsp;&nbsp;**<u>Attribute</u>** | &nbsp;&nbsp;**Per <br> <u>Data File</u>** | &nbsp;&nbsp;**Per <br> <u>Receivable File</u>** |
| &nbsp;&nbsp;44 | &nbsp;&nbsp;20251044 | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;12/10/2024 | &nbsp;&nbsp;11/25/2024 |
| &nbsp;&nbsp;131 | &nbsp;&nbsp;20251131 | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;5/16/2025 | &nbsp;&nbsp;5/15/2025 |

---

**Exhibit C**

**<u>Insurance Document</u>**

&nbsp;&nbsp;&nbsp;&nbsp;• Agreement for Purchaser to Provide Accidental Physical Damage Coverage

&nbsp;&nbsp;&nbsp;&nbsp;• Agreement to Furnish Insurance Policy

&nbsp;&nbsp;&nbsp;&nbsp;• Agreement to Maintain Physical Damage Insurance

&nbsp;&nbsp;&nbsp;&nbsp;• Agreement to Provide Accidental Physical Damage Insurance

&nbsp;&nbsp;&nbsp;&nbsp;• Agreement to Provide Insurance

&nbsp;&nbsp;&nbsp;&nbsp;• Application for Coverage

&nbsp;&nbsp;&nbsp;&nbsp;• Auto Insurance Policy Declarations

&nbsp;&nbsp;&nbsp;&nbsp;• Automobile Insurance Coverage

&nbsp;&nbsp;&nbsp;&nbsp;• Confirmation Of Accidental Physical Damage Insurance

&nbsp;&nbsp;&nbsp;&nbsp;• Florida Automobile Insurance Identification Card

&nbsp;&nbsp;&nbsp;&nbsp;• Insurance Binder

&nbsp;&nbsp;&nbsp;&nbsp;• Insurance Card

&nbsp;&nbsp;&nbsp;&nbsp;• Insurance Coverage Acknowledgment

&nbsp;&nbsp;&nbsp;&nbsp;• Insurance Renewal Document

&nbsp;&nbsp;&nbsp;&nbsp;• Insurance Verification

&nbsp;&nbsp;&nbsp;&nbsp;• Personal Auto Declaration

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of Insurance

&nbsp;&nbsp;&nbsp;&nbsp;• Verification of Coverage

**<u>Title Document</u>**

&nbsp;&nbsp;&nbsp;&nbsp;• Application for Certificate of Motor Vehicle Title

&nbsp;&nbsp;&nbsp;&nbsp;• Application for Certificate of Title With/Without Registration

&nbsp;&nbsp;&nbsp;&nbsp;• Electronic Title with Electronic Lien

&nbsp;&nbsp;&nbsp;&nbsp;• Service Agreement and Registration Application

**<u>Acceptable Company Names</u>**

&nbsp;&nbsp;&nbsp;&nbsp;• Space Coast Credit Union

&nbsp;&nbsp;&nbsp;&nbsp;• Space Coast CU

&nbsp;&nbsp;&nbsp;&nbsp;• SCCU