Sep, 30, 2025 — 1ST STREET CREDIT UNION is a federally insured state chartered credit union headquartered in SARASOTA, FL with 1 branch location and about $31.22 million in total assets. Opened 75 years ago in 1951, 1ST STREET CREDIT UNION has about 1,886 members and employs 6 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | 1ST STREET CREDIT UNION |
|---|---|
| Address: (Main Office) | 1558 1st St SARASOTA, FL 34236-8502 |
| Phone: | (941) 953-6744 |
| Fax: | (941) 365-4966 |
| Website: | https://www.1streetcu.com |
| Branches: | 1 branch locations |
| Members: | 1,886 |
| Credit Union Type: | Federally Insured State Chartered Credit Union |
| Charter Number: | 67309 |
|---|---|
| Membership Type: | State chartered natural person |
| Corporate Credit Union: | No |
| Year Opened: | 1951 |
| Last Audited: | Sep 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $31,215,843 |
| CEO/Manager: | Dawn T Gonzalez |
| Chairperson: | Randy Boyd |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 1,568,210 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 3,597,091 |
| Unsecured Loans | 1,178,007 |
| Other Loans | 7,631,338 |
| TOTAL LOANS | 12,406,436 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -90,877 |
| Land And Building | 278,065 |
| Other Fixed Assets | 128,333 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 268,589 |
| All Other Assets | 0 |
| TOTAL ASSETS | 31,215,843 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 309,703 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 6,100,314 |
| Regular shares | 13,049,389 |
| All Other Shares & Deposits | 6,904,688 |
| TOTAL SHARES & DEPOSITS | 26,054,391 |
| TOTAL LIABILITIES | 26,364,094 |
| Regular Reserve | 0 |
| Other Reserves | 0 |
| Undivided Earnings | 4,851,749 |
| TOTAL EQUITY | 4,851,749 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 31,215,843 |
| INCOME & EXPENSE | |
| Loan Income | 569,091 |
| Investment Income | 377,613 |
| Other Income | 181,099 |
| Total Employee Compensation & Benefits | 313,690 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 383,294 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 58,182 |
| Cost of Funds | 125,079 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 297,632 |
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