1st Street
Sarasota, FL · Charter 67309 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$34.5MAssets
$12.2MLoans
$29.2MShares
$5.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 86% of credit unions under $1B in assets (rank 230 of 1682).
- Widest gap: net interest margin trails 68% of credit unions under $1B in assets (rank 1145 of 1683).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.86%
Rank 725 of 1,683
Net Interest Margin
3.47%
Rank 1,145 of 1,683
Efficiency Ratio
77.57%
Rank 807 of 1,682
Equity / Assets
14.66%
Rank 585 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.86% | 0.35% | 0.74% | 1.18% | Beats 57% | 725 / 1,683 | | |
| Return on Equity | 5.89% | 2.67% | 5.89% | 8.74% | Beats 50% | 841 / 1,681 | | |
| Net Interest Margin | 3.47% | 3.31% | 3.82% | 4.32% | Beats 32% | 1,145 / 1,683 | | |
| Efficiency Ratio | 77.57% | 68.91% | 78.20% | 86.93% | Beats 52% | 807 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.10% | 0.26% | 0.65% | 1.29% | Beats 86% | 230 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.66% | 10.44% | 12.89% | 16.53% | Beats 65% | 585 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.66% | 10.44% | 12.89% | 16.53% | Beats 65% | 585 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 42.00% | 52.61% | 69.38% | 83.50% | 13th pctl | 1,468 / 1,683 | | |
| Loans / Assets | 35.49% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,457 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |