1st Street Credit Union


Overview / Commentary
941-953-6744
1558 1st St
Sarasota, FL 34236

1st Street Credit Union is headquartered in Sarasota and is the 92nd largest credit union in the state of Florida. It is also the 2,835th largest credit union in the nation. It was established in 1951 and as of March of 2025, it had grown to 5 employees and 1,884 members at 1 location. 1st Street Credit Union has a B health rating.

Field of Membership Restrictions

Membership in 1st Street Credit Union is open to the following: 1) those who live, work, volunteer, worship or attend school in Charlotte, Manatee, or Sarasota Counties in Florida; 2) the city of Sarasota; 3) employees of any local, state or federal government agency; 4) those receiving retirement benefits from the City of Sarasota General Employees Pension Fund, the Sarasota Fire Department Pension Fund or the Pension Fund of the Police Department of the City of Sarasota.
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Health
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. 1st Street Credit Union has a low asset base.

Health Grade Components

Overall
NCUA #67309
Year Chartered1951
Employees5
Primary Regulator
Profit Margin
Return on Assets - YTD2.34%
Return on Equity - YTD16.01%
Annual Interest Income$310K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$32.4MM$34.1MM
LoansQ1 2025vs Q1 2024$12.4MM$13.2MM
DepositsQ1 2025vs Q1 2024$27.4MM$29.4MM
Equity CapitalQ1 2025vs Q1 2024$4.7MM$4.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$107K$101K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$31K$353K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


1st Street Credit Union Locations
Branch Office1558 1st StSarasota, FL 34236-8502

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