Federal credit union · Torrance, California · NCUA charter #3526
SCHOOLS
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $189.8M
- Total assets
- 16,996
- Members
- 12.0%
- Net-worth ratio
SCHOOLS scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $189.8M; members 16,996; net-worth ratio 11.97%; health rank #785 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#785 of 4,374 health · 2025Q4SCHOOLS · health 92/100 · $189.8M · 2025Q4
Call Report peers
SCHOOLS in the assets neighbourhood
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SCHOOLS vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); SCHOOLS sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
SCHOOLS vs $100M–$500M peers
- Delinquency Rate leads the peer set - 0.38% here, 0.89% peer average (-0.51 pp).
- Loan-to-Share Ratio trails the peer set - 53.72% here, 72.20% peer average (-18.48 pp).
SCHOOLS: in-state Call Report ranks
- In California, health place is #50 of 243 on the same NCUA-ratio sort used nationally.
- California assets place: #122 of 243.
- Membership ranks #107 of 243 among California CUs with a reported count (16,996 members).
- One place up in California, KINGS (#49) ties at 92/100; one place down, Coast Central (#51) ties at 92/100.
SCHOOLS Call Report trajectory
SCHOOLS: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $189.8M (2025Q4) to $192.7M (2026Q1).
- Net-worth ratio shifted -0.06 pp (12.03% → 11.97%).
11.97% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 92/100 score is built
SCHOOLS gives up 8 points in total. Return on Assets costs the most, 4.2 of its 15; Net Worth Ratio and Delinquency Rate and Member Growth score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 11.2 pts
Call Report ratios for SCHOOLS
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.97% | -0.14 pp |
| Delinquency Rate | 0.38% | -0.51 pp |
| Return on Assets | 0.22% | -0.40 pp |
| Member Growth | 5.02% | - |
| Loan-to-Share Ratio | 53.72% | -18.48 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
SCHOOLS filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $192.7M | - |
| 2025Q4 | $189.8M | 16,996 |
| 2024Q4 | $178.7M | 16,184 |
| 2023Q4 | $175.5M | 16,026 |
Credit Union Details
- Charter Number
- 3526
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- California
- City
- Torrance
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for SCHOOLS, spread across 2 cities.
| Office | City |
|---|---|
| South Bay (Main Office) | Torrance, CA |
| Los Angeles | LOS ANGELES, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- SCHOOLS ranks #785 of 4,374 nationally on financial health and #50 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- San Joaquin Power Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with San Joaquin Power Employees
Frequently Asked Questions
Is SCHOOLS financially healthy?
SCHOOLS has a financial health score of 92/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #785 of 4,374 nationally on health and #50 of 243 in California. Its net worth ratio is 11.97% and its delinquency rate 0.38%.
How does SCHOOLS compare to other credit unions?
SCHOOLS scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.38% vs 0.89%). Its widest shortfall is loan-to-share ratio (53.72% vs 72.20%).
How can I join SCHOOLS?
SCHOOLS operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact SCHOOLS directly for the exact boundaries and application steps.
Is my money safe at SCHOOLS?
SCHOOLS is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. SCHOOLS's net worth ratio of 11.97% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.