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Credit union call report ยท Sarasota, FL

1st Street Credit Union Call Report

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1st Street Credit Union filed its latest NCUA 5300 call report for the quarter ended June 30, 2026. Below are its 264 filed line items, in the form's order. Dollar amounts are whole dollars as filed.

1st Street Credit Union call report filing details
Call report formNCUA 5300
Latest quarter filedQ2 2026 (June 30, 2026)
NCUA charter number67309
Federal Reserve RSSD ID372190

The official copy: search charter number 67309 in NCUA's Research a Credit Union tool, or download every credit union's filing from NCUA's quarterly call report data.

1st Street Credit Union call report, Q2 2026

Statement of Financial Condition (30 items)
1st Street Credit Union, Statement of Financial Condition, Q2 2026
Line item Account Q2 2026
1a. Coin and Currency AS0004 $459K
1c. Total Cash on Hand 730A $459K
2a. Cash on Deposit in Corporate Credit Unions 730B1 $412K
2c. Cash on Deposit in Other Financial Institutions 730B2 $326K
2. Cash on Deposit (total) 730B $737K
3. Time Deposits in Banks and Credit Unions AS0007 $8.5M
5. TOTAL CASH AND OTHER DEPOSITS AS0009 $9.7M
9. Held-to-Maturity Debt Securities AS0073 $11.0M
11. TOTAL INVESTMENT SECURITIES AS0013 $11.0M
12b. Perpetual Contributed Capital 769B $201K
13. TOTAL OTHER INVESTMENTS AS0017 $201K
15a. Number of Total Loans and Leases 025A 108,197
15b. Total Loans and Leases 025B $12.2M
17. ACL on Loans and Leases AS0048 $86K
19. Land and Building 007 $269K
20. Other Fixed Assets 008 $154K
21. NCUA Share Insurance Capitalization Deposit 794 $254K
22d. Accrued Interest on Loans 009A $30K
22e. Accrued Interest on Investments 009B $75K
22f. All Other Assets 009C $646K
22g. Total Other Assets AS0036 $751K
23. TOTAL ASSETS 010 $34.5M
Accounts Payable and Other Liabilities 825 $292K
Member Shares of All Types 013 $29.2M
Total Shares and Deposits 018 $29.2M
Undivided Earnings 940 $4.9M
Net Income (equity) 602 $149K
Total Net Worth 997 $5.1M
Net Worth Ratio 998 14.66%
TOTAL LIABILITIES, SHARES, AND EQUITY 014 $34.5M
Statement of Income and Expense (24 items)
1st Street Credit Union, Statement of Income and Expense, Q2 2026
Line item Account Q2 2026
1. Interest on Loans and Leases 110 $401K
3. Income from Investments 120 $303K
5. TOTAL INTEREST INCOME 115 $705K
6. Dividends on Shares 380 $22K
7. Interest on Deposits 381 $80K
8. Interest on Borrowed Money 340 $3K
9. TOTAL INTEREST EXPENSE 350 $106K
10. NET INTEREST INCOME IS0010 $599K
12a. Credit Loss Expense - Loans and Leases IS0011 $21K
12e. Total Credit Loss Expense IS0017 $21K
13. Fee Income 131 $116K
14. Other Operating Income IS0020 $43K
23. TOTAL NON-INTEREST INCOME 117 $159K
24. Employee Compensation and Benefits 210 $216K
25. Travel and Conference 230 $6K
26. Office Occupancy 250 $31K
27. Office Operations 260 $79K
28. Educational and Promotional 270 $16K
29. Loan Servicing 280 $58K
30. Professional and Outside Services 290 $161K
32. Operating Fees 320 $8K
33. Miscellaneous Operating Expense 360 $13K
34. TOTAL NON-INTEREST EXPENSE 671 $588K
35. NET INCOME 661A $149K
Statement pages - all other filed accounts (21 items)

delinquency (21%), credit cards (21%)

1st Street Credit Union, Statement pages - all other filed accounts, Q2 2026
Line item Account Q2 2026
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 1 month to less than 2 months delinquent 020B $103K
Amount of All Deliquent Loans (Including Credit Cards) and Leases as of - 2 to less than 6 months delinquent 021B $2K
Amount of Delinquent Unsecured Credit Card Loans as of - 1 month to less than 2 months delinquent. 024B $22K
Loans Granted Year-to-Date 031A $20K
Amount of Loans Granted Year-to-Date 031B $1.9M
Total Amount of Delinquent Loans & Leases (Two or more months) 041B $12K
Number of current members (not number of accounts) 083 1,830
Number of potential members 084 16,000
Interest Rate of Unsecured Credit Card Loans 521 1,090.00%
Interest Rate of All Other Unsecured Loans/Lines of Credit 522 1,178.00%
Interest Rate of New Vehicle Loans 523 508.00%
Interest Rate of Used Vehicle Loans 524 754.00%
Total Amount of All Loans Charged Off Year-to-Date 550 $40K
Total Amount of All Year-to-Date Recoveries on Charged-Off Loans 551 $29K
Amount of Regular Shares 657 $14.3M
Amount of Share Drafts 902 $6.1M
IRA/KEOGH Accounts - < 1 Year 906A $831K
Share Certificates - < 1 Year 908A $1.6M
Total Amount of Share Certificates 908C $4.2M
Total Amount of Money Market Shares 911 $3.3M
Number of Used Vehicle Loans 968 73,592
NCUA form-section FS220A (20 items)

loans and leases (25%), income and expense (25%), shares and deposits (19%)

1st Street Credit Union, NCUA form-section FS220A, Q2 2026
Line item Account Q2 2026
Total Shares - < 1 Year 013A $26.1M
Total Shares - 1-3 Years 013B1 $3.0M
Total Shares - > 3 Years 013B2 $29K
Total Shares and Deposits - < 1 Year 018A $26.1M
Total Shares and Deposits - 1-3 Years 018B1 $3.0M
Total Shares and Deposits - > 3 Years 018B2 $29K
Number of Total Delinquent Loans & Leases (Two or more months) 041A 244
Effective date of last audit 063 $122K
Amount of Used Vehicle Loans 370 $2.9M
Amount of New Vehicle Loans 385 $4.1M
Amount of Unsecured Credit Card Loans 396 $746K
Amount of All Other Unsecured Loans/Lines of Credit 397 $405K
Share Certificates 451 $69
Number of Accounts for Share Drafts 452 1,290
IRA/KEOGH Accounts 453 $52
Number of Accounts for Regular Shares 454 2,613
Money Market Shares 458 $99
Number of Accounts for Total Shares and Deposits (Sum of items 15-16) 460 4,123
Number of credit union employees who are Full-Time (26 hours or more) 564A 5
Total credit lines 881 $1.5M
NCUA form-section FS220B (20 items)

maturity and repricing buckets (40%), credit cards (17%)

1st Street Credit Union, NCUA form-section FS220B, Q2 2026
Line item Account Q2 2026
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E) 065A4 $1.8M
Total Uninsured Shares and Deposits > $250K (F+J) 068A $1.8M
Total Insured Shares and Deposits > $250K (item 17 less item K) 069A $27.4M
Effective date of the most recent Supervisory Committee verification of Member's accounts 603 $92K
Amount of Regular Shares - < 1 Year 657A $14.3M
Total Amount of Unsecured Credit Card Loans Charged Off Year-to-Date 680 $3K
Total Amount of Year-to-Date Recoveries on Unsecured Credit Card Loans Charged Off 681 $6K
Fair value of Held to Maturity Securities 801 $10.6M
Amount of Share Drafts - < 1 Year 902A $6.1M
IRA/KEOGH Accounts - 1-3 Years 906B1 $452K
Total Amount of IRA/KEOGH Accounts 906C $1.3M
Share Certificates - 1-3 Years 908B1 $2.6M
Share Certificates - > 3 Years 908B2 $29K
Money Market Shares - < 1 Year 911A $3.3M
Amount of Loans Outstanding to Credit Union Officials and Senior Executive Staff 956 $336K
Number of New Vehicle Loans 958 34,001
Total Shares 966 $4K
Number of Unsecured Credit Card Loans 993 302
Number of All Other Unsecured Loans/Lines of Credit 994 143
Number of Loans Outstanding to Credit Union Officials and Senior Executive Staff 995 10
NCUA form-section FS220C (8 items)

charge-offs and recoveries (27%), participation loans (18%)

1st Street Credit Union, NCUA form-section FS220C, Q2 2026
Line item Account Q2 2026
Indicate in the box at the right the number of the description below that best characterizes the last audit performed of your credit union's records 064 $5
Total Amount of All Participation Loans Charged Off Year-to-Date 550F $18K
Total Amount of All Year-to-Date Recoveries on Charged-Off Participation Loans 551F $12K
Number of credit union branches (include the main office if member services are conducted at that location) 566 4
Supplemental Share Information - Dollar Amount of Share Certificates = or > $100,000 638 $3.2M
Supplemental Share Information - Dollar Amount of IRA/Keogh Accounts = or > $100,000 639 $564K
Amount of Participation Loans Purchased Year-to-Date 690 $780K
Outstanding balance of brokered certificates of deposit and share certificates 788 $10.0M
NCUA form-section FS220D (27 items)

member services and products offered (69%), CUSO relationships (27%)

1st Street Credit Union, NCUA form-section FS220D, Q2 2026
Line item Account Q2 2026
Does the credit union provide member services through a credit union shared branch services center? 566A $1
No Cost Share Drafts 879A4 $1
Share Certificates with Low Minimum Balance Requirements 879A5 $1
Financial Counseling 879B1 $1
Financial Education 879B2 $1
Financial Literacy Workshops 879B3 $1
First Time Homebuyer Program 879B4 $1
No Cost Bill Payer 879C2 $1
Student Scholarships 879C4 $1
Credit Builder 879D1 $1
Brokered Certificates of Deposits 879N $1
Low-cost wire transfers 879W $1
Member Application 887A $1
Loan Application 887B $1
New Share Account 887E $1
Loan Payments 887F $1
Bill Payment 887J $1
External or Third-Party Account Aggregation 887M $1
Electronic Signature Authentication/Certification 887P $1
e-Statements 887R $1
Remote Deposit Capture 887U $1
Informational Website PI0007 $1
Mobile Application PI0008 $1
Online Banking PI0009 $1
Person-to-Person PI0011 $1
Does the CU offer an ATM Network that is surcharge free? PP0034 $1
CU offer Shared service network PP0058 $1
NCUA form-section FS220G (4 items)

loans and leases (32%), participation loans (18%)

1st Street Credit Union, NCUA form-section FS220G, Q2 2026
Line item Account Q2 2026
Total Outstanding Amount of Participation Loans Purchased By Type 691L $3.0M
Total Value of Investments in CUSOs 851 $200K
Total Aggregate Cash Outlay in CUSOs 853 $200K
Total Credit Lines at Corporate Credit Unions 884 $1.5M
NCUA form-section FS220H (1 item)

student loans (43%), delinquency (27%)

1st Street Credit Union, NCUA form-section FS220H, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for all loan types 816A $4.2M
NCUA form-section FS220I (13 items)

vehicle lending (59%), delinquency (44%)

1st Street Credit Union, NCUA form-section FS220I, Q2 2026
Line item Account Q2 2026
Amount of New Vehicle Loans Delinquent 30 to 59 days 020C1 $16K
Amount of Used Vehicle Loans Delinquent 30 to 59 days 020C2 $20K
Amount of New Vehicle Loans Delinquent 60 to 179 days 021C1 $916
Amount of Used Vehicle Loans Delinquent 60 to 179 days 021C2 $899
Number of Reportable Delinquent New Vehicle Loans 035E1 64
Number of Reportable Delinquent Used Vehicle Loans 035E2 179
Amount of Reportable Delinquent New Vehicle Loans 041C1 $2K
Amount of Reportable Delinquent Used Vehicle Loans 041C2 $9K
Amount of New Vehicle Loans YTD Charge Offs 550C1 $6K
Amount of Used Vehicle Loans YTD Charge Offs 550C2 $28K
Amount of New Vehicle Loans YTD Recoveries 551C1 $4K
Amount of Used Vehicle Loans YTD Recoveries 551C2 $12K
Negative Shares as Included in All Other Unsecured Loans/Lines of Credit 644 $5K
NCUA form-section FS220L (6 items)

commercial and business lending (90%), participation loans (36%), real estate lending (18%)

1st Street Credit Union, NCUA form-section FS220L, Q2 2026
Line item Account Q2 2026
Total Number of Loans & Leases on Loan Schedule 025A1 $108K
Total Amount of Loans & Leases on Loan Schedule 025B1 $12.2M
Amount of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 386A $3.6M
Interest Rate of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 562A 632.00%
Interest Rate of All Other Secured Non-Real Estate Loans/Lines of Credit 595B 655.00%
Amount of All Other Secured Non-Real Estate Loans/Lines of Credit 698C $459K
NCUA form-section FS220M (7 items)

commercial and business lending (89%), real estate lending (26%), participation loans (23%)

1st Street Credit Union, NCUA form-section FS220M, Q2 2026
Line item Account Q2 2026
Total Unfunded Commitments for Revolving Open-End lines secured by 1-4 Family Residential Properties (Non-Commercial) 811D $2.0M
Total Unfunded Commitments for Credit Card Lines (Non-Commercial) 812C $1.5M
Total Unfunded Commitments for Unsecured Share Draft Lines of Credit (Non-Commercial) 815C $188K
Total Unfunded Commitments for Non-Commercial Loans 816T $4.2M
Total Unfunded Commitments for Overdraft Protection Program Commitments (Non-Commercial) 822C $453K
Number of Total Loans/Lines of Credit Secured by Junior Lien 1-4 Family Residential Properties 960A 79
Number of All Other Secured Non-Real Estate Loans/Lines of Credit 963C 80
NCUA form-section FS220N (7 items)

investment portfolio detail (53%), maturity and repricing buckets (31%), CECL allowances (30%)

1st Street Credit Union, NCUA form-section FS220N, Q2 2026
Line item Account Q2 2026
Held-to-Maturity Debt Securities <=1 Year AS0068 $1.8M
Held-to-Maturity Debt Securities >1 and <=3 Years AS0069 $3.4M
Held-to-Maturity Debt Securities >3 and <=5 Years AS0070 $3.6M
Held-to-Maturity Debt Securities >5 and <= 10 Years AS0071 $1.5M
Held-to-Maturity Debt Securities > 10 Years AS0072 $725K
Total Liabilities LI0069 $29.4M
Total Assets excluding SBA PPP loans pledged as collateral to the FRB PPP Liquidity Facility NW0010 $34.5M
NCUA form-section FS220P (13 items)

commercial and business lending (52%), delinquency (49%), real estate lending (23%)

1st Street Credit Union, NCUA form-section FS220P, Q2 2026
Line item Account Q2 2026
Loan Loss Information - YTD Charge Offs - All Other Unsecured Loans/Lines of Credit CH0007 $3K
Loan Loss Information - YTD Recoveries - All Other Unsecured Loans/Lines of Credit CH0008 $7K
All Other Unsecured Loans/Lines of Credit DL0022 $6K
New Vehicle Loans DL0030 $1K
Used Vehicle Loans DL0037 $8K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0050 $2K
All Other Secured Non-Real Estate Loans/Lines of Credit DL0051 $637
All Other Secured Non-Real Estate Loans/Lines of Credit DL0055 $637
Delinquent Loans by Collateral Type - Total Number of Reportable Delinquent Loans - All Other Secured Non-Real Estate Loans/Lines of Credit DL0056 $1
Delinquent Loans by Collateral Type - 30 - 59 days - 1-4 Family Residential Property Loans/Lines of Credit Secured by Junior Lien DL0064 $36K
Delinquent Loans by Collateral Type - 60-89 days - Total Delinquent Loans and Leases DL0141 $9K
Amount of reportable delinquency included in Total Delinquent Loans and Leases (Account 041B), that relates to: Participation Loans Purchased under 701.22 DL0142 $6K
Amount of Consumer Loans in Non-Accrual Status DL0145 $2K
NCUA form-section FS220Q (30 items)

investment portfolio detail (69%)

1st Street Credit Union, NCUA form-section FS220Q, Q2 2026
Line item Account Q2 2026
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0013 $1.5M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Agency/GSE Debt Instruments - Guaranteed NV0014 $1.4M
Held-to-maturity Amortized Cost - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0021 $1.5M
Held-to-maturity Fair Value - Federal Agency Securities -Guaranteed - Total Federal Agency Securities - Guaranteed NV0022 $1.4M
Held-to-maturity Amortized Cost - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0077 $9.6M
Held-to-maturity Fair Value - All Other Held-to-Maturity or Available-for-Sale Debt Securities NV0078 $9.1M
Total Amortized Cost Held-to-Maturity Debt Securities NV0081 $11.0M
Investment Maturity Distribution - Time Deposits - <=1 Year NV0111 $3.0M
Investment Maturity Distribution - Time Deposits - >1-3 Years NV0112 $3.3M
Investment Maturity Distribution - Time Deposits - >3-5 Years NV0113 $1.2M
Investment Maturity Distribution - Time Deposits - >5-10 Years NV0114 $747K
Investment Maturity Distribution - Time Deposits - >10 Years NV0115 $249K
Investment Maturity Distribution - Time Deposits - Total NV0116 $8.5M
Investment Maturity Distribution - Held-to-Maturity Debt Securities - Total NV0140 $11.0M
Investment Maturity Distribution - Investments in Natural Person Credit Unions - >10 Years NV0145 $201K
Investment Maturity Distribution - Investments in Natural Person Credit Unions - Total NV0146 $201K
Investment Maturity Distribution - Total Investment Securities - <=1 Year NV0153 $4.8M
Investment Maturity Distribution - Total Investment Securities - >1-3 Years NV0154 $6.7M
Investment Maturity Distribution - Total Investment Securities - >3 - 5 Years NV0155 $4.9M
Investment Maturity Distribution - Total Investment Securities - >5 - 10 Years NV0156 $2.2M
Investment Maturity Distribution - Total Investment Securities - > 10 Years NV0157 $1.2M
Total Investment Securities (Sum of Accounts AS0007, AS0013, and AS0017 from page 1) NV0158 $19.7M
RBC Total Equity RB0001 $5.1M
RBC Allowance for Credit Losses RB0002 $86K
RBC Total Additions RB0005 $86K
RBC Total Deductions RB0009 $254K
RBC Total Risk-Based Capital Numerator Before Mortgage Servicing Assets Deduction RB0010 $4.9M
RBC Risk-Based Capital Numerator RB0012 $4.9M
Participation Loans: Participations Purchased - Outstanding Balance - Amount - Vehicle - Non-commercial SL0036 $3.0M
Participation Loans: Participations Purchased - Purchased Year-To-Date - Amount - Vehicle - Non-commercial SL0037 $780K
NCUA form-section FS220R (30 items)

risk-based capital and leverage ratio (68%), real estate lending (28%)

1st Street Credit Union, NCUA form-section FS220R, Q2 2026
Line item Account Q2 2026
RBC Schedule Total Investments RB0039 $11.2M
RBC Schedule Total Consumer Loans RB0060 $8.7M
RBC Total for Risk Weighting Allowance for Credit Losses (Loans) RB0077 $86K
RBC Allowance for Credit Losses (Loans) 0% Weight RB0078 $86K
RBC Schedule Total Loans RB0079 $12.2M
RBC Total for Risk Weighting Total Loans RB0081 -$86K
RBC Total Loans 0% Weight RB0082 -$86K
RBC Schedule Total Other Assets RB0088 $1.4M
RBC Total for Risk Weighting Other Assets RB0090 $254K
RBC Other Assets 0% Weight RB0091 $254K
RBC Total from Schedule On-Balance Sheet Assets RB0099 $34.5M
RBC Total Adjustments to Schedule On-Balance Sheet Assets RB0100 $168K
RBC Total Risk Weighted On-Balance Sheet Assets 0% Weight RB0101 $168K
RBC Total On-Balance Sheet Assets and Off-Balance Sheet Credit Equivalent Amounts RB0170 $34.5M
RBC Allowance for Credit Losses (Loans) RB0177 $86K
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Fixed Rate RL0018 23.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Fixed Rate RL0019 1,242,833.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Fixed Rate RL0020 275,000.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Number of Loans Outstanding - Closed-end - Adjustable Rate RL0021 56.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Closed-end - Adjustable Rate RL0022 2,339,693.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Closed-end - Adjustable Rate RL0023 129,953.00%
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount of Loans Outstanding - Total RL0030 $3.6M
1- to 4-Family Residential Property Loans/lines of Credit Secured by Junior Lien - Amount Granted YTD - Total RL0031 $405K
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Number of Loans Outstanding RL0046 $79
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount of Loans Outstanding RL0047 $3.6M
Total 1- to 4-Family Residential Property and All Other Consumer Real Estate Loans/Lines of Credit - Amount Granted YTD RL0048 $405K
Real Estate Loans reported in Account RL0047 that contractually refinance, reprice or mature within the next 5 years RL0050 $2.4M
Total Shares SH0013 $29.2M
Total Shares and Deposits SH0018 $29.2M
Amount of Outstanding Loans Purchased from Other Financial Institutions SL0019 $3.0M
NCUA form-section FS220S (3 items)

member services and products offered (29%), HMDA and entity identifiers (24%)

1st Street Credit Union, NCUA form-section FS220S, Q2 2026
Line item Account Q2 2026
Does the CU use financial technology companies to provide member services? PP0037 $1
Mortgage Lending PP0039 $1
Acquire participation loans PP0044 $1

1st Street Credit Union call reports on file

  • Q2 2026 call report (quarter ended June 30, 2026)
  • Q1 2026 call report (quarter ended March 31, 2026)
  • Q4 2025 call report (quarter ended December 31, 2025)
  • Q3 2025 call report (quarter ended September 30, 2025)
  • Q2 2025 call report (quarter ended June 30, 2025)
  • Q1 2025 call report (quarter ended March 31, 2025)

Where can I find the 1st Street Credit Union call report?

The 1st Street Credit Union call report for the quarter ended June 30, 2026 is on this page, line by line in the order of the NCUA 5300. NCUA publishes every federally insured credit union's call report in its quarterly call report data and in its Research a Credit Union tool. Call reports are public: anyone can read them without an account.

What call report does 1st Street Credit Union file?

1st Street Credit Union files the NCUA Form 5300, the call report every federally insured credit union files with the National Credit Union Administration. Its figures are in whole dollars, not thousands.

What is the 1st Street Credit Union call report number?

A call report has no number of its own. It is filed and looked up by the credit union's NCUA charter number, which for 1st Street Credit Union is 67309.

How often does 1st Street Credit Union file a call report?

Every quarter, as of March 31, June 30, September 30 and December 31.

1st Street Credit Union financials and ratios →

New to the 5300? What the NCUA 5300 call report is.