SCHOOLSFIRST
Charter #24212 | CA
10B+
(21 CUs)
Titans
($10B+)
(21 CUs)
3 10B+ in CA
SCHOOLSFIRST has 9 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.7% in tier
- + Relationship Depth Leader: Top 12.5% in tier
- + Organic Growth Engine: Top 13.0% in tier
- + Wallet Share Momentum: Top 15.6% in tier
- + Strong member growth: 6.3% YoY
- + Asset Growth Rate: Top 9.5% in tier
- + Deposit Growth Rate: Top 9.5% in tier
- + Total Assets: Top 9.5% in tier
- + Total Deposits: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.6% in tier
- - Growth-at-Risk: Bottom 22.0% in tier
- - ROA 0.05% below tier average
- - Loan-to-Share Ratio: Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,526,734
+6.3% YoY+2.1% QoQ
|
-295.7K |
1,822,416
+4.1% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
71st in tier |
| Assets |
$34.4B
+10.7% YoY+0.9% QoQ
|
+$5.7B |
$28.7B
+4.2% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Top 14.3% in tier |
| Loans |
$21.5B
+8.5% YoY+2.7% QoQ
|
+$396.5M |
$21.1B
+5.8% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Top 19.0% in tier |
| Deposits |
$29.3B
+13.3% YoY+1.5% QoQ
|
+$4.8B |
$24.4B
+7.2% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Top 14.3% in tier |
| ROA |
0.7%
+41.9% YoY+22.2% QoQ
|
-0.0% |
0.8%
+17.7% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
52nd in tier |
| NIM |
2.7%
+9.4% YoY+2.0% QoQ
|
-0.4% |
3.1%
+10.6% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
29th in tier |
| Efficiency Ratio |
57.5%
-8.9% YoY-2.2% QoQ
|
-6.7% |
64.3%
-4.3% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 23.8% in tier |
| Delinquency Rate |
0.9%
+6.0% YoY+13.4% QoQ
|
-0.3 |
1.2%
+9.7% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
29th in tier |
| Loan To Share |
73.4%
-4.2% YoY+1.1% QoQ
|
-16.4% |
89.8%
-0.3% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.8% in tier |
| AMR |
$33,247
+4.6% YoY-0.1% QoQ
|
+$2K |
$31,184
+7.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
67th in tier |
| CD Concentration |
39.2%
+12.3% YoY+5.4% QoQ
|
+7.2% |
31.9%
+2.0% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
Top 14.3% in tier |
| Indirect Auto % |
11.8%
-9.4% YoY-2.5% QoQ
|
-2.5% |
14.2%
-8.9% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
57th in tier |
Signature Analysis
Strengths (4)
Organic Growth Leader
growth
#3 of 12 • Top 5.7% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
6.35%
(Tier:
3.59%, National:
9.37%)
12 of 21 Titans CUs have this signature
| 608 nationally
→ Stable (11→12 CUs)
+1 CUs YoY
Relationship Depth Leader
growth
#5 of 14 • Top 12.5% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
4.56%
(Tier:
2.80%, National:
4.19%)
Share Draft per Member:
$3.2K
(Tier: $2.9K, National: $2.0K)
14 of 21 Titans CUs have this signature
| 1330 nationally
↑ Growing
+8 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#8 of 18 • Top 13.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
6.35%
(Tier:
3.59%, National:
9.37%)
Return on Assets:
0.72%
(Tier:
0.76%, National:
0.71%)
Indirect Auto %:
11.79%
(Tier:
14.25%, National:
7.90%)
18 of 21 Titans CUs have this signature
| 917 nationally
→ Stable (18→18 CUs)
Wallet Share Momentum
growth
#6 of 14 • Top 15.6% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
4.56%
(Tier:
2.80%, National:
4.19%)
14 of 21 Titans CUs have this signature
| 1330 nationally
↑ Growing
+8 CUs YoY
|
New qualifier
Concerns (2)
Credit Quality Pressure
risk
#11 of 15 • Bottom 19.6% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.05% points
(Tier:
0.10% points, National:
0.07% points)
15 of 21 Titans CUs have this signature
| 1002 nationally
↓ Shrinking
-6 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#10 of 14 • Bottom 22.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
8.47%
(Tier:
6.37%, National:
36.38%)
Delinquency Change (YoY):
0.05% points
(Tier:
0.10% points, National:
0.07% points)
14 of 21 Titans CUs have this signature
| 646 nationally
→ Stable (13→14 CUs)
+1 CUs YoY
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 (10 metrics)
3
Asset Growth Rate
growth
Value:
10.69%
Peer Avg: 4.36%
#3 of 21
Top 9.5% in 10B+ tier
3
Deposit Growth Rate
growth
Value:
13.28%
Peer Avg: 6.48%
#3 of 21
Top 9.5% in 10B+ tier
3
Total Assets
balance_sheet
Value:
$34.41B
Peer Avg: $28.72B
#3 of 21
Top 9.5% in 10B+ tier
3
Total Deposits
balance_sheet
Value:
$29.27B
Peer Avg: $24.43B
#3 of 21
Top 9.5% in 10B+ tier
4
Total Loans
balance_sheet
Value:
$21.49B
Peer Avg: $21.09B
#4 of 21
Top 14.3% in 10B+ tier
5
Member Growth Rate
growth
Value:
6.35%
Peer Avg: 3.59%
#5 of 21
Top 19.0% in 10B+ tier
6
Efficiency Ratio
profitability
Value:
57.54%
Peer Avg: 64.29%
#6 of 21
Top 23.8% in 10B+ tier
6
AMR Growth Rate
growth
Value:
4.56%
Peer Avg: 2.80%
#6 of 21
Top 23.8% in 10B+ tier
6
Members Per Employee (MPE)
engagement
Value:
515.963
Peer Avg: 499.855
#6 of 21
Top 23.8% in 10B+ tier
6
Total Members
engagement
Value:
1,526,734
Peer Avg: 1,822,417
#6 of 21
Top 23.8% in 10B+ tier
Top Weaknesses (2 metrics)
20
Loan-to-Share Ratio
balance_sheet
Value:
73.41%
Peer Avg: 89.80%
#20 of 21
Bottom 9.5% in 10B+ tier
19
Share Certificate Concentration (%)
balance_sheet
Value:
39.16%
Peer Avg: 31.91%
#19 of 21
Bottom 14.3% in 10B+ tier