SCHOOLSFIRST
Charter #24212 · SANTA ANA, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of $1.57M ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Net worth ratio of 9.39% sits at the 16th percentile of structural peers — worth a closer look.
- Net interest margin of 2.87% sits at the 16th percentile of structural peers — worth a closer look.
- Cost of funds of 2.29% sits at the 84th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.09% sits at the 75th percentile of structural peers — worth a closer look.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | SCHOOLSFIRST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $36.74B | 100th pct | 97th pct |
| Members | $1.57M | 99th pct | 93th pct |
| Net worth ratio | 9.39% | 20th pct | 16th pct |
| Return on average assets | 0.80% | 58th pct | 41th pct |
| Net interest margin | 2.87% | 20th pct | 16th pct |
| Cost of funds | 2.29% | 78th pct | 84th pct |
| Loan-to-share | 70.70% | 16th pct | 20th pct |
| Delinquency 60+ days | 0.89% | 73th pct | 69th pct |
| Net charge-off ratio | 1.09% | 87th pct | 75th pct |
| Loan growth YoY | 3.93% | 74th pct | 76th pct |
| Share growth YoY | 7.91% | 86th pct | 88th pct |
| Efficiency ratio | 56.33% | 7th pct | 10th pct |
structural peer set hash: 7cd4813a3ae90884a646c5a53e0448d6… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.