Pretty typical for polycarbonate, unfortunately.
5 years is way too short a lifetime for that. I've had Suntuf roofs on sheds for about 15 years now, and none have gone brittle yet.
Polycarbonate is VERY UV sensitive. They get around this by applying a UV protective coating to the top surface of it. In the OP's case, you can't really install it upside down, but with Suntuf, that would be a big mistake, so you need to be careful.
Two things come to mind. Perhaps the UV coating was damaged or defective. That's all that would make it brittle, and once it gets hazed and goes brittle, it's trash. But there is also one important installation note that if not followed can lead to early failure.
Polycarbonate thermally expands quite a bit. You're supposed to drill oversized holes and then drive the screws down to the point that the neoprene coated washer is in contact, but the rubber isn't very squeezed out. The polycarbonate should have the ability to move a bit under the washer. If it's trapped, that can lead to cracking.
edit: Looking back over the OP's pictures one more time, I'm leaning towards the second problem. If the whole panel failed due to UV exposure, it usually starts to haze like a frosted car headlight first, and what I can see through it seems pretty clear. Polycarbonate does stress crack though. If the whole panel went brittle, then get the right wind conditions and it's going to shatter. But from stress cracks, you'll just get leaks where the crack extends past the washer, and the cracks don't tend to run far (so it isn't like the whole thing went brittle), because once the stress is relieved by the crack, it stops.