BlastPoint's Credit Union Scorecard

SCHOOLSFIRST

Charter #24212 · CA

Titans 10B+

SchoolsFirst at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

SchoolsFirst is one of 101 credit unions in the 2026 VentureTech card set. We also found SchoolsFirst's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

SchoolsFirst

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SCHOOLSFIRST
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SCHOOLSFIRST'S BIGGEST OPPORTUNITY

25 CUs in 10B+ nationally 4 in CA

View Titans leaderboard →

SCHOOLSFIRST has 4 strengths but faces 3 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

+ Strong member growth: 5.7% YoY
+ Total Assets: Top 8.0% in tier
+ Total Deposits: Top 8.0% in tier
+ Total Loans: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 28.0% in tier
- Credit Quality Pressure: Bottom 40.0% in tier
- ROA 0.15% below tier average

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	1,579,561 +5.7% YoY+0.7% QoQ	-92.3K	1,671,910 -4.2% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	72%
Assets	$37.2B +9.2% YoY+1.3% QoQ	+$9.6B	$27.7B +0.2% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 12.0% in tier
Loans	$23.0B +10.1% YoY+3.2% QoQ	+$3.0B	$20.0B -0.9% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Top 12.0% in tier
Deposits	$32.0B +11.0% YoY+1.3% QoQ	+$8.5B	$23.5B +0.4% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 12.0% in tier

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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	0.9% +50.2% YoY+12.6% QoQ	-0.1%	1.0% +45.0% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	48%
NIM	2.9% +7.6% YoY+1.4% QoQ	-0.4%	3.2% +5.4% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	20%
Efficiency Ratio	55.2% -6.2% YoY-2.0% QoQ	-6.3%	61.6% -6.2% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	32%
Delinquency Rate	0.9% +17.3% YoY+2.5% QoQ	-0.1	1.0% -2.7% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	44%
Loan To Share	72.0% -0.8% YoY+1.8% QoQ	-15.5%	87.5% -3.0% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 8.0% in tier
AMR	$34,843 +4.7% YoY+1.4% QoQ	+$2K	$32,850 +5.7% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	72%
CD Concentration	39.3% +5.8% YoY+0.5% QoQ	+9.1%	30.2%	22.2%	20.0%	84%
Indirect Auto %	10.8% -10.4% YoY-2.4% QoQ	-4.1%	15.0%	9.2%	7.7%	44%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#1 of 9 • Top 32.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 5.67%

(Tier: 7.74%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 10.83%

(Tier: 14.97%, National: 7.71%)

better than tier avg

9 of 25 Titans CUs have this signature | 485 nationally

→ Stable (13→9 CUs) -4 CUs YoY

Organic Growth Engine

growth

#4 of 11 • Top 32.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.67%

(Tier: 7.74%, National: 15.67%)

but worse than tier avg

Return on Assets: 0.88%

(Tier: 1.03%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 10.83%

(Tier: 14.97%, National: 7.71%)

better than tier avg

11 of 25 Titans CUs have this signature | 490 nationally

↓ Shrinking -8 CUs YoY | Rank improving

Relationship Depth Leader

growth

#4 of 7 • Top 36.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.65%

(Tier: 4.49%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $3.0K, National: $2.1K)

better than tier avg

7 of 25 Titans CUs have this signature | 354 nationally

→ Stable (3→7 CUs) +4 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#8 of 18 • Bottom 28.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.08%

(Tier: 12.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.08% points, National: 0.08% points)

worse than tier avg

18 of 25 Titans CUs have this signature | 688 nationally

→ Stable (14→18 CUs) +4 CUs YoY

Credit Quality Pressure

risk

#10 of 21 • Bottom 40.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.08% points, National: 0.08% points)

worse than tier avg

21 of 25 Titans CUs have this signature | 962 nationally

→ Stable (16→21 CUs) +5 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 25 peers in tier

Top Strengths (8 metrics)

Total Assets

balance_sheet

Value: $37.23B

Peer Median: $19.38B

#3 of 25 Top 8.0% in 10B+ tier

Total Deposits

balance_sheet

Value: $32.00B

Peer Median: $15.58B

#3 of 25 Top 8.0% in 10B+ tier

Total Loans

balance_sheet

Value: $23.04B

Peer Median: $13.76B

#3 of 25 Top 8.0% in 10B+ tier

Members Per Employee (MPE)

engagement

Value: 528.635

Peer Median: 431.551

#6 of 25 Top 20.0% in 10B+ tier

Loan Growth Rate

growth

Value: 10.08%

Peer Median: 7.18%

#7 of 25 Top 24.0% in 10B+ tier

Deposit Growth Rate

growth

Value: 10.97%

Peer Median: 6.42%

#7 of 25 Top 24.0% in 10B+ tier

Total Members

engagement

Value: 1,579,561

Peer Median: 958,216

#7 of 25 Top 24.0% in 10B+ tier

Average Member Relationship (AMR)

engagement

Value: $34,843

Peer Median: $30,737

#7 of 25 Top 24.0% in 10B+ tier

Top Weaknesses (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 72.00%

Peer Median: 88.75%

#23 of 25 Bottom 12.0% in 10B+ tier

Share Certificate Concentration (%)

balance_sheet

Value: 39.31%

Peer Median: 31.60%

#22 of 25 Bottom 16.0% in 10B+ tier

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.16%

#20 of 25 Bottom 24.0% in 10B+ tier

Net Worth Ratio

risk

Value: 9.51%

Peer Median: 10.72%

#20 of 25 Bottom 24.0% in 10B+ tier