BlastPoint's Credit Union Scorecard

SCHOOLSFIRST

Charter #24212 · CA

Titans 10B+

21 CUs in 10B+ nationally 3 in CA

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SCHOOLSFIRST has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Titans Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 5.7% in tier
+ Organic Growth Engine: Top 13.0% 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
- Credit Risk Growth: 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	71%
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	81%
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

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	52%
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	29%
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	24%
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	29%
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	67%
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	57%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#3 of 12 • Top 5.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 6.35%

(Tier: 3.59%, National: 9.37%)

better than tier avg

Indirect Auto %: 11.79%

(Tier: 14.25%, National: 7.90%)

better than tier avg

12 of 21 Titans CUs have this signature | 608 nationally

→ Stable (11→12 CUs) +1 CUs YoY

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%)

better than tier avg

Return on Assets: 0.72%

(Tier: 0.76%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 11.79%

(Tier: 14.25%, National: 7.90%)

better than tier avg

18 of 21 Titans CUs have this signature | 917 nationally

→ Stable (18→18 CUs)

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)

but better than tier avg

15 of 21 Titans CUs have this signature | 1002 nationally

↓ Shrinking -6 CUs YoY | Rank improving

Credit Risk Growth

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%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.10% points, National: 0.07% points)

but better than tier avg

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)

Compare against:

Comparing against 21 peers in tier

Top Strengths (10 metrics)

Asset Growth Rate

growth

Value: 10.69%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Deposit Growth Rate

growth

Value: 13.28%

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Total Assets

balance_sheet

Value: $34.41B

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Total Deposits

balance_sheet

Value: $29.27B

Peer Avg: -

#3 of 21 Top 9.5% in 10B+ tier

Total Loans

balance_sheet

Value: $21.49B

Peer Avg: -

#4 of 21 Top 14.3% in 10B+ tier

Member Growth Rate

growth

Value: 6.35%

Peer Avg: -

#5 of 21 Top 19.0% in 10B+ tier

Efficiency Ratio

profitability

Value: 57.54%

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

AMR Growth Rate

growth

Value: 4.56%

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 515.963

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Total Members

engagement

Value: 1,526,734

Peer Avg: -

#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (2 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 73.41%

Peer Avg: -

#20 of 21 Bottom 9.5% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 39.16%

Peer Avg: -

#19 of 21 Bottom 14.3% in 10B+ tier