1ST STREET
Charter #67309 | FL
<100M
(2596 CUs)
Micro
($0-$500M)
40 <100M in FL
1ST STREET demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.58% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (FL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,886
-0.3% YoY-0.1% QoQ
|
-739 |
2,625
-2.2% YoY
|
69,671
+4.3% YoY
|
33,089
+6.1% YoY
|
49th in tier |
| Assets |
$31.2M
-4.0% YoY-1.9% QoQ
|
+$1.4M |
$29.9M
+1.1% YoY
|
$1.1B
+3.8% YoY
|
$547.7M
+7.8% YoY
|
61st in tier |
| Loans |
$12.4M
-1.7% YoY-2.0% QoQ
|
$-3.4M |
$15.8M
-2.4% YoY
|
$773.4M
+7.4% YoY
|
$388.7M
+8.6% YoY
|
56th in tier |
| Deposits |
$26.1M
-6.4% YoY+0.0% QoQ
|
+$600K |
$25.5M
+0.4% YoY
|
$908.2M
+6.5% YoY
|
$464.6M
+9.3% YoY
|
60th in tier |
| ROA |
1.3%
-2.7% YoY-22.1% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.6%
+15.9% YoY
|
0.7%
+273.4% YoY
|
72nd in tier |
| NIM |
3.5%
+16.1% YoY+1.3% QoQ
|
-0.5% |
3.9%
+3.8% YoY
|
3.6%
+6.7% YoY
|
3.7%
+5.0% YoY
|
34th in tier |
| Efficiency Ratio |
66.2%
-4.1% YoY+20.6% QoQ
|
-15.2% |
81.4%
-2.4% YoY
|
79.0%
+0.0% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.7% in tier |
| Delinquency Rate |
0.6%
-37.2% YoY+85.2% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.7%
+3.1% YoY
|
1.2%
-0.9% YoY
|
46th in tier |
| Loan To Share |
47.6%
+5.1% YoY-2.0% QoQ
|
-13.6% |
61.2%
-3.0% YoY
|
71.2%
+0.4% YoY
|
68.0%
-1.7% YoY
|
29th in tier |
| AMR |
$20,393
-4.7% YoY-0.6% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$22,283
+3.7% YoY
|
$19,418
+1.3% YoY
|
Top 19.0% in tier |
| CD Concentration |
9.2%
-18.0% YoY+0.1% QoQ
|
-15.2% |
24.4%
+4.2% YoY
|
23.4%
+4.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
10.9%
-1.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
294
Fee Income Per Member
profitability
Value:
$163.43
Peer Avg: $182.96
#294 of 2596
Top 11.3% in <100M tier
493
Average Member Relationship (AMR)
engagement
Value:
$20,393
Peer Avg: $14,627
#493 of 2596
Top 19.0% in <100M tier
616
Efficiency Ratio
profitability
Value:
66.20%
Peer Avg: 81.39%
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (3 metrics)
2257
Deposit Growth Rate
growth
Value:
-6.43%
Peer Avg: 16.80%
#2257 of 2596
Bottom 13.1% in <100M tier
2145
Asset Growth Rate
growth
Value:
-4.05%
Peer Avg: 1.82%
#2145 of 2596
Bottom 17.4% in <100M tier
2124
AMR Growth Rate
growth
Value:
-4.70%
Peer Avg: 4.67%
#2124 of 2596
Bottom 18.2% in <100M tier