SCHOOLS
Charter #3526 · Torrance, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 17,257 ranks in the 75th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 16th percentile but its structural peers at the 39th — a 23-point gap showing why the peer definition matters.
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 | SCHOOLS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $192.65M | 49th pct | 62th pct |
| Members | 17,257 | 67th pct | 75th pct |
| Net worth ratio | 11.97% | 57th pct | 51th pct |
| Return on average assets | 0.48% | 35th pct | 36th pct |
| Net interest margin | 3.50% | 40th pct | 36th pct |
| Cost of funds | 1.00% | 38th pct | 56th pct |
| Loan-to-share | 53.75% | 16th pct | 39th pct |
| Delinquency 60+ days | 0.45% | 37th pct | 46th pct |
| Net charge-off ratio | 0.71% | 79th pct | 70th pct |
| Loan growth YoY | 2.65% | 72th pct | 77th pct |
| Share growth YoY | 2.35% | 32th pct | 48th pct |
| Efficiency ratio | 78.20% | 48th pct | 38th pct |
structural peer set hash: dc55209b47de5642dd1e804e25f6803c… (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.