BlastPoint's Credit Union Scorecard

SCHOOLSFIRST

Charter #24212 · CA

Titans 10B+
21 CUs in 10B+ nationally 3 in CA
View Titans leaderboard →

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 9.1% in tier
  • + Organic Growth Engine: Top 43.8% 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 Risk Growth: Bottom 53.9% in tier
  • - Credit Quality Pressure: Bottom 66.7% in tier
  • - ROA 0.04% below tier average
  • - Loan-to-Share Ratio: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 1,548,619
+6.3% YoY+1.4% QoQ
 -282.7K 1,831,295
-0.2% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 71%
Assets $35.4B
+10.8% YoY+2.8% QoQ
 +$6.2B $29.1B
+3.6% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 Top 14.3% in tier
Loans $22.0B
+9.1% YoY+2.4% QoQ
 +$635.7M $21.4B
+2.0% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 81%
Deposits $30.3B
+13.1% YoY+3.6% QoQ
 +$5.5B $24.9B
+4.3% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 Top 14.3% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.7%
+32.5% YoY-3.2% QoQ
 -0.0% 0.7%
+30.7% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 52%
NIM 2.7%
+8.7% YoY+0.6% QoQ
 -0.4% 3.1%
+7.9% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 24%
Efficiency Ratio 57.1%
-8.4% YoY-0.8% QoQ
 -7.5% 64.6%
-4.0% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 24%
Delinquency Rate 1.0%
+11.9% YoY+10.4% QoQ
 -0.2 1.2%
+0.3% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 33%
Loan To Share 72.5%
-3.5% YoY-1.2% QoQ
 -16.6% 89.1%
-2.0% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 Bottom 4.8% in tier
AMR $33,799
+4.8% YoY+1.7% QoQ
 +$2K $31,580
+8.5% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 67%
CD Concentration 39.5%
+10.3% YoY+0.9% QoQ
 +8.1% 31.4% 21.7% 19.8% Top 14.3% in tier
Indirect Auto % 11.4%
-9.8% YoY-3.7% QoQ
 -2.8% 14.1% 9.2% 7.8% 57%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#2 of 12 • Top 9.1% in tier

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

Why This Signature
Member Growth (YoY): 6.29%
(Tier: 3.16%, National: 4.32%)
better than tier avg
Indirect Auto %: 11.35%
(Tier: 14.14%, National: 7.78%)
better than tier avg
12 of 21 Titans CUs have this signature | 609 nationally
→ No prior data (12 CUs now) | New qualifier

Organic Growth Engine

growth
#8 of 17 • Top 43.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 6.29%
(Tier: 3.16%, National: 4.32%)
better than tier avg
Return on Assets: 0.69%
(Tier: 0.73%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 11.35%
(Tier: 14.14%, National: 7.78%)
better than tier avg
17 of 21 Titans CUs have this signature | 913 nationally
→ No prior data (17 CUs now) | New qualifier

Concerns (2)

Credit Risk Growth

risk
#8 of 14 • Bottom 53.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 9.14%
(Tier: 6.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.10% points
(Tier: 0.05% points, National: 0.06% points)
worse than tier avg
14 of 21 Titans CUs have this signature | 665 nationally
→ No prior data (14 CUs now) | New qualifier

Credit Quality Pressure

risk
#11 of 16 • Bottom 66.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.10% points
(Tier: 0.05% points, National: 0.06% points)
worse than tier avg
16 of 21 Titans CUs have this signature | 969 nationally
→ Stable (19→16 CUs) -3 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)

Comparing against 21 peers in tier

Top Strengths (9 metrics)

3
Asset Growth Rate
growth
Value: 10.80%
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
3
Deposit Growth Rate
growth
Value: 13.08%
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
3
Total Assets
balance_sheet
Value: $35.38B
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
3
Total Deposits
balance_sheet
Value: $30.34B
Peer Median: -
#3 of 21 Top 9.5% in 10B+ tier
4
Member Growth Rate
growth
Value: 6.29%
Peer Median: -
#4 of 21 Top 14.3% in 10B+ tier
4
Total Loans
balance_sheet
Value: $22.00B
Peer Median: -
#4 of 21 Top 14.3% in 10B+ tier
6
Efficiency Ratio
profitability
Value: 57.10%
Peer Median: -
#6 of 21 Top 23.8% in 10B+ tier
6
Total Members
engagement
Value: 1,548,619
Peer Median: -
#6 of 21 Top 23.8% in 10B+ tier
6
Members Per Employee (MPE)
engagement
Value: 521.596
Peer Median: -
#6 of 21 Top 23.8% in 10B+ tier

Top Weaknesses (2 metrics)

20
Loan-to-Share Ratio
balance_sheet
Value: 72.53%
Peer Median: -
#20 of 21 Bottom 9.5% in 10B+ tier
19
Share Certificate Concentration (%)
balance_sheet
Value: 39.51%
Peer Median: -
#19 of 21 Bottom 14.3% in 10B+ tier
Link copied to clipboard!