1ST STREET Credit Union Profile

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1ST STREET

Charter #67309 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (941) 953-6744

Fax: (941) 365-4966

Founding Date: N/A

Website: http://www.1streetcu.com

Personnel & Operations

President: Boyd, Randy

Manager: Gonzalez, Dawn

FT Employees: 5

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 1

Hours: 8:00AM - 5:00PM M - F, EXCEPT ON WEDNESDAY.

Credit Union Profile Summary

1ST STREET is a FISCU Credit Union. With a total of 1,887 members [1], this institution manages approximately $31,812,566 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.13% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 0.37% [1].

Financial Snapshot

Total Assets [1]
$31,812,566

Total economic resources.

Total Loans [1]
$12,654,138

Total value of outstanding loans.

Total Deposits [1]
$26,051,780

Total funds deposited by members.

Members [1]
1,887

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.13%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.61%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
48.57%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
-6.81%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
0.37%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.32%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1558 1ST ST

SARASOTA, FL, 34236-8502

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by 1ST STREET (Charter #67309).

Main Office

1st Street Credit Union Main Office

Type: Corporate Office

1558 1st St

Sarasota, FL 34236-8502

Phone: (941) 953-6744

Services: Member Services, ATM

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