1st Street Credit Union Sarasota, Florida
1st Street Credit Union is a state-chartered credit union headquartered in Sarasota, FL (NCUA charter 67309), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,830 members and total assets of $34.5M (up 8.5% from Q2 2025), the 86th largest of 106 credit unions headquartered in Florida. Its net worth ratio was 14.66% at Q2 2026, in the well capitalized band.
Also written as 1st Street CU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- State-chartered credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 67309
- Headquarters
- Sarasota, FL
- Established
- Not reported
- Total assets, Q2 2026
- $34.5M
- Assets vs Q2 2025
- +8.5%
- Members, Q2 2026
- 1,830
- Net worth ratio, Q2 2026
- 14.66%
- Latest call report
- Q2 2026, NCUA 5300 · 1st Street Credit Union call report
- Asset rank in state
- 86th of 106 in Florida
- Routing number
- 263182150
- Branches
- 6
It has 57 fewer members than on June 30, 2025 (-3.0%). Its net worth ratio was down 0.47 percentage points from 15.13% on June 30, 2025. New vehicle loans are its largest loan category, $4.1M of $12.2M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.10% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 14.66% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Florida
Frequently asked about 1st Street Credit Union
How big is 1st Street Credit Union?
At Q2 2026 it reported total assets of $34.5M and 1,830 members.
Where is 1st Street Credit Union headquartered?
It is headquartered in Sarasota, FL, United States.
Is 1st Street Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 67309): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates 1st Street Credit Union?
It is a state-chartered credit union, supervised by its state credit union regulator and by the NCUA, which insures its shares.
Is 1st Street Credit Union well capitalized?
Its net worth ratio was 14.66% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is 1st Street Credit Union's delinquency ratio?
Its delinquency ratio was 0.10% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is 1st Street Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 42.00% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Sarasota, FL 34236
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- NCUA Charter #
- 67309
- RSSD ID
- 372190
- Members
- 1,830
- Potential members
- 16,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 14.66% | 14.31% | 52nd above |
| Return on assets Middle half of peers: 0.16% to 1.30% | 1.12% | 0.72% | 67th above |
| Return on equity Middle half of peers: 1.04% to 8.69% | 7.65% | 4.74% | 68th above |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 3.82% | 3.93% | 46th below |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 75.63% | 79.83% | 59th above |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 0.66% | 0.78% | 57th above |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.10% | 0.86% | over 90th top |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 4.49% | 4.70% | 39th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 42.00% | 58.92% | 25th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$34.5M total assets against $31.8M; $29.2M total shares and deposits against $26.1M; $12.2M total loans against $12.7M.
$5.1M net worth against $4.8M.
14.66% net worth ratio against 15.13%.
42.00% loan-to-share ratio against 48.57%.
0.10% delinquency ratio against 0.32%.
1.12% return on assets against 0.87%; 7.65% return on equity against 5.78%.
3.82% net interest margin against 3.48%.
1,830 members against 1,887.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 14.66% | 1.12% | 0.10% | 42.00% |
| March 31, 2026 | 14.67% | 0.62% | 0.12% | 43.40% |
| December 31, 2025 | 15.46% | 1.34% | 0.19% | 47.04% |
| September 30, 2025 | 15.54% | 0.49% | 0.59% | 47.62% |
| June 30, 2025 | 15.13% | 0.87% | 0.32% | 48.57% |
| March 31, 2025 | 14.66% | 2.35% | 0.25% | 45.33% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.