SchoolsFirst

SANTA ANA, CA · 1 · Charter #24212 · www.schoolsfirstfcu.org
Large (>$10B)Reporting period: Q4 2025Peer group: 21 CUs

Performance vs peers

Percentile rank within the Large (>$10B) peer group (21 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$35.4B
86th percentile
Members
1,548,619
71th percentile
Total loans
$22.0B
81th percentile
Total shares
$30.3B
86th percentile

Profitability

Return on assets
1.26%
52th percentile
Net interest margin
2.69%
29th percentile
Efficiency ratio
36.26%
95th percentile
Non-interest income ratio
12.77%
29th percentile

Capital & Risk

Net worth ratio
9.54%
33th percentile
Delinquency rate
0.97%
67th percentile
Net charge-off rate
0.99%
43th percentile
Loan-to-share
72.53%
5th percentile

Growth

Member growth YoY
6.29%
81th percentile
Asset growth YoY
10.80%
86th percentile
Loan growth YoY
9.14%
67th percentile
Share growth YoY
13.08%
90th percentile

Operations

Members / branch
20,648
70th percentile
Assets / member
$22,843
71th percentile
Field of membership penetration
47.64%
86th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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