BlastPoint's Credit Union Scorecard
SCHOOLSFIRST
Charter #24212 · CA
SCHOOLSFIRST has 6 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.0% in tier
- + Organic Growth Engine: Top 25.0% in tier
- + Relationship Depth Leader: Top 29.2% in tier
- + Strong member growth: 5.8% YoY
- + Total Assets: Top 8.3% in tier
- + Total Deposits: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 20.8% in tier
- - Credit Quality Pressure: Bottom 37.5% in tier
- - ROA 0.11% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,568,368
+5.8% YoY+1.3% QoQ
|
-144.2K |
1,712,610
-8.0% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$36.7B
+9.9% YoY+3.9% QoQ
|
+$8.6B |
$28.2B
-3.2% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
Top 12.5% in tier |
| Loans |
$22.3B
+9.6% YoY+1.5% QoQ
|
+$2.2B |
$20.2B
-4.4% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$31.6B
+11.9% YoY+4.1% QoQ
|
+$7.5B |
$24.1B
-2.9% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
Top 12.5% in tier |
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| ROA |
0.8%
+42.8% YoY+12.8% QoQ
|
-0.1% |
0.9%
+31.5% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
50% |
| NIM |
2.8%
+5.6% YoY+3.3% QoQ
|
-0.4% |
3.2%
+4.6% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
17% |
| Efficiency Ratio |
56.3%
-5.9% YoY-1.3% QoQ
|
-7.5% |
63.9%
-3.7% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.9%
+13.6% YoY-8.5% QoQ
|
+0.0 |
0.9%
-6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
46% |
| Loan To Share |
70.7%
-2.1% YoY-2.5% QoQ
|
-15.3% |
86.0%
-3.3% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 8.3% in tier |
| AMR |
$34,379
+4.9% YoY+1.7% QoQ
|
+$2K |
$32,099
+9.5% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
75% |
| CD Concentration |
39.1%
+9.8% YoY-1.0% QoQ
|
+8.9% | 30.2% | 21.6% | 19.8% | 83% |
| Indirect Auto % |
11.1%
-10.0% YoY-2.2% QoQ
|
-3.8% | 14.9% | 9.0% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)