TellerScore

1st Street Credit Union is a federally insured state-chartered credit union headquartered in Sarasota, Florida, in business for about 75 years. At the end of Q2 2026 it reported $34.5M in total assets and $29.2M in member shares and deposits, with 6 offices across 2 states.

1st Street Credit Union has a TellerScore of 89 out of 100 (very strong) based on Q2 2026 data — higher than 87% of its 2,479 credit unions with under $100 million in assets. Among 107 credit unions headquartered in Florida, it ranks 4th. Funding & liquidity contributes the most (100/100, 42% loans-to-deposits, 6% uninsured); earnings contributes the least (55/100, 0.86%).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Net worth ratio: 14.66%
Loan quality97/100
Loans 60+ days delinquent ÷ total loans: 0.10%
Earnings55/100
Return on assets (annualized): 0.86%
Funding & liquidity100/100
Loans ÷ shares: 42.0% · 6.1% uninsured
Problem-loan coverage100/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 0.23%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 5 points (94 → 89), mostly because the earnings component weakened by 30 points.

TellerScore
808997Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202480
Q3 202483
Q4 202486
Q1 202597
Q2 202594
Q3 202589
Q4 202593
Q1 202687
Q2 202689
Net worth ratio
7.00%11.27%15.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.96%
Q3 202413.86%
Q4 202414.03%
Q1 202514.66%
Q2 202515.13%
Q3 202515.54%
Q4 202515.46%
Q1 202614.67%
Q2 202614.66%
Delinquent loans (60+ days)
0.10%0.52%0.94%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.55%
Q3 20240.94%
Q4 20240.17%
Q1 20250.25%
Q2 20250.32%
Q3 20250.59%
Q4 20250.19%
Q1 20260.12%
Q2 20260.10%
Return on assets
0.62%1.48%2.35%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.82%
Q3 20241.33%
Q4 20240.83%
Q1 20252.35%
Q2 20251.63%
Q3 20251.27%
Q4 20251.26%
Q1 20260.62%
Q2 20260.86%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202689$34.5M14.66%0.10%0.86%42.0%
Q1 202687$33.8M14.67%0.12%0.62%43.4%
Q4 202593$32.1M15.46%0.19%1.26%47.0%
Q3 202589$31.2M15.54%0.59%1.27%47.6%
Q2 202594$31.8M15.13%0.32%1.63%48.6%
Q1 202597$32.4M14.66%0.25%2.35%45.3%
Q4 202486$32.5M14.03%0.17%0.83%45.5%
Q3 202483$32.5M13.86%0.94%1.33%45.3%
Q2 202480$34.1M12.96%0.55%0.82%43.0%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio14.66%
52nd
Problem loans0.10%
80th
Net charge-offs0.18%
49th
Return on assets0.86%
61st
Loans to deposits42.0%
76th
Uninsured deposits6.1%
16th
Loan-loss reserves0.00%
37th
Texas ratio0.2%
81st

Similar-size credit unions in Florida

InstitutionScoreAssetsCapitalProblem loansCompare
Ecu Credit UnionCredit union Seminole, FL79 out of 100, Strong$34.1M17.4%0.56%vs
Transport Credit UnionCredit union Tampa, FL85 out of 100, Very strong$35.8M18.6%0.52%vs
Pompano Beach City Emp. Credit UnionCredit union Pompano Beach, FL80 out of 100, Strong$31.0M19.3%0.06%vs
Walton County Teachers Federal Credit UnionCredit union Defuniak Spring, FL81 out of 100, Strong$30.1M10.9%0.45%vs
Jax Fire Credit UnionCredit union Jacksonville, FL78 out of 100, Strong$40.4M13.3%0.57%vs
Florida a & M University Federal Credit UnionCredit union Tallahassee, FL43 out of 100, Below average$28.0M11.9%3.46%vs

Deposit insurance

Is my money safe at 1st Street Credit Union?

Yes. 1st Street Credit Union is a federally insured credit union (NCUA charter #67309). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 6.1% of shares and deposits ($1.8M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 14.66%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

1st Street Credit Union lists 6 offices in 4 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
1st Street Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
67309
RSSD ID
372190
Primary regulator
State + NCUA
Established
1951
Headquarters
1558 1st Street, Sarasota, FL 34236
Employees
5

Quick answers

1st Street Credit Union: common questions

Is 1st Street Credit Union NCUA insured?

Yes. 1st Street Credit Union is a federally insured credit union (NCUA charter #67309). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is 1st Street Credit Union's TellerScore?

89 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does 1st Street Credit Union have?

6 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sarasota

InstitutionScoreAssetsCapitalProblem loansCompare
Crews Bank & TrustBank Wauchula, FL85 out of 100, Very strong$2.3B10.7%0.06%vs
Centennial BankBank Conway, AR79 out of 100, Strong$24.6B12.6%0.55%vs
American Pride BankBank Macon, GA77 out of 100, Strong$1.0B14.1%0.00%vs
Bank OZKBank Little Rock, AR76 out of 100, Strong$41.7B14.0%0.92%vs
Gulfside BankBank Sarasota, FL76 out of 100, Strong$344.6M11.2%0.00%vs
1st Source BankBank South Bend, IN75 out of 100, Strong$9.3B13.7%0.99%vs