1ST STREET
Charter #67309 · SARASOTA, FL · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 3.27% sits at the 18th percentile of structural peers — worth a closer look.
- Cost of funds of 0.16% ranks in the 16th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.12% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Efficiency ratio, the asset-size band puts this credit union at the 49th percentile but its structural peers at the 69th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | 1ST STREET | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $33.82M | 69th pct | 49th pct |
| Members | 1,822 | 38th pct | 30th pct |
| Net worth ratio | 14.67% | 57th pct | 62th pct |
| Return on average assets | 0.64% | 49th pct | 30th pct |
| Net interest margin | 3.27% | 25th pct | 18th pct |
| Cost of funds | 0.16% | 11th pct | 16th pct |
| Loan-to-share | 43.40% | 26th pct | 43th pct |
| Delinquency 60+ days | 0.12% | 24th pct | 25th pct |
| Net charge-off ratio | 0.11% | 49th pct | 44th pct |
| Loan growth YoY | -0.05% | 70th pct | 72th pct |
| Share growth YoY | 9.67% | 95th pct | 93th pct |
| Efficiency ratio | 79.98% | 49th pct | 69th pct |
structural peer set hash: 2cae8783916018f6e9c6f22fa4edccbd… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.