State credit union · SARASOTA, Florida · NCUA charter #67309
1st Street
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $32.1M
- Total assets
- 1,888
- Members
- 14.7%
- Net-worth ratio
1st Street scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.1M; members 1,888; net-worth ratio 14.67%; health rank #1,422 of 4,374; healthier than 65th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,422 of 4,374 health · 2025Q41st Street · health 88/100 · $32.1M · 2025Q4
Call Report peers
1st Street in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
1st Street vs every NCUA-scored credit union
1st Street sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for 1st Street
- Delinquency Rate leads the peer set - 0.19% here, 1.15% peer average (-0.95 pp).
- Loan-to-Share Ratio trails the peer set - 47.04% here, 59.80% peer average (-12.76 pp).
Florida standing for 1st Street
- Health composite ranks #48 of 109 among scored Florida credit unions.
- Assets rank #89 of 109 inside Florida ($32.1M reported).
- Member book place in Florida: #95 of 109.
- One place up in Florida, ORLANDO (#47) scores 89/100, 1 point higher; one place down, First Florida (#49) ties at 88/100.
1st Street Call Report trajectory
1st Street: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +5.4% from $32.1M (2025Q4) to $33.8M (2026Q1).
- Net-worth ratio shifted -0.79 pp (15.46% → 14.67%).
At 14.67%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
1st Street gives up 12 points in total. Member Growth costs the most, 6.9 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.1 pts
- Loan-to-Share Ratio 9.9 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.67% | -0.19 pp |
| Delinquency Rate | 0.19% | -0.95 pp |
| Return on Assets | 0.84% | +0.14 pp |
| Member Growth | -0.53% | - |
| Loan-to-Share Ratio | 47.04% | -12.76 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $33.8M | - |
| 2025Q4 | $32.1M | 1,888 |
| 2024Q4 | $32.5M | 1,898 |
| 2023Q4 | $33.8M | 1,897 |
Credit Union Details
- Charter Number
- 67309
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Florida
- City
- SARASOTA
- Data Quarter
- 2025Q4
Branch Locations (6)
Per its most recent NCUA branch filing, 1st Street runs 6 offices in 4 different cities across 2 states.
| Office | City |
|---|---|
| 1st Street Credit Union (Main Office) | Sarasota, FL |
| Recall Total Info Management | Indianapolis, IN |
| San Antonio Citizens Federal Credit Union | San Antonio, FL |
| Sarasota Police Department | Sarasota, FL |
| Access | Sarasota, FL |
| Florida Customs Federal Credit Union | Tampa, FL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Florida
More federally-insured credit unions based in Florida, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Similar health score
Using this data
- 1st Street ranks #1,422 of 4,374 nationally on financial health and #48 of 109 in FL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pompano Beach City Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pompano Beach City Emp.
Frequently Asked Questions
Is 1st Street financially healthy?
1st Street has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,422 of 4,374 nationally on health and #48 of 109 in Florida. Its net worth ratio is 14.67% and its delinquency rate 0.19%.
How does 1st Street compare to other credit unions?
1st Street scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is delinquency rate (0.19% vs 1.15%). Its widest shortfall is loan-to-share ratio (47.04% vs 59.80%).
How can I join 1st Street?
Membership eligibility for 1st Street depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact 1st Street directly for current membership requirements and application steps.
Is my money safe at 1st Street?
1st Street is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. 1st Street's net worth ratio of 14.67% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.