Federal credit union · SANTA ANA, California · NCUA charter #24212
SCHOOLSFIRST
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $35.38B
- Total assets
- 1,548,619
- Members
- 9.4%
- Net-worth ratio
SCHOOLSFIRST scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $35.38B; members 1,548,619; net-worth ratio 9.39%; health rank #701 of 4,374; healthier than 84th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#701 of 4,374 health · 2025Q4SCHOOLSFIRST · health 93/100 · $35.38B · 2025Q4
- PHOTO 93/100
- BOOK 9.4%
- CHARTER 0.97%
- NCUSIF 0.47%
- CAMELS $35.38B
- HEALTH 1,548,619
- NW #701/4,374
- DELQ Boeing Employees
- ROA 24212
Call Report peers
SCHOOLSFIRST in the assets neighbourhood
SCHOOLSFIRST's $35.38B assets sit next to Boeing Employees ($29.36B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
SCHOOLSFIRST vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
SCHOOLSFIRST - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24212: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
SCHOOLSFIRST vs Over $500M peers
- Largest lag: Loan-to-Share Ratio at 72.53% vs peer 83.90% (-11.37 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
SCHOOLSFIRST in California
- Health composite ranks #46 of 243 among scored California credit unions.
- By total assets, SCHOOLSFIRST is #1 of 243 in California.
- Membership ranks #1 of 243 among California CUs with a reported count (1,548,619 members).
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
SCHOOLSFIRST: 2025Q4 → 2026Q1
SCHOOLSFIRST: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +3.9% from $35.38B (2025Q4) to $36.74B (2026Q1).
- Net-worth ratio shifted -0.15 pp (9.54% → 9.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
9.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 93/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 93.
- Net Worth Ratio 28.5 pts
- Delinquency Rate 20.3 pts
- Return on Assets 14.5 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for SCHOOLSFIRST
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.39% | -1.79 pp |
| Delinquency Rate | 0.97% | +0.10 pp |
| Return on Assets | 0.47% | -0.04 pp |
| Member Growth | 6.29% | - |
| Loan-to-Share Ratio | 72.53% | -11.37 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
SCHOOLSFIRST filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $36.74B | - |
| 2025Q4 | $35.38B | 1,548,619 |
| 2024Q4 | $31.93B | 1,456,953 |
| 2023Q4 | $29.22B | 1,367,887 |
Credit Union Details
- Charter Number
- 24212
- Type
- Federal
- Field of Membership
- Single Common Bond
- Peer Group
- Over $500M
- State
- California
- City
- SANTA ANA
- Data Quarter
- 2025Q4
Branch Locations (79)
Per its most recent NCUA branch filing, SCHOOLSFIRST runs 79 offices in 61 different cities.
| Office | City |
|---|---|
| Tustin RH2 (Main Office) | Tustin, CA |
| 07 - Anaheim | Anaheim, CA |
| 15 - Anaheim Hills | Anaheim, CA |
| 76 - Burbank | Burbank, CA |
| 20 - Cerritos | Cerritos, CA |
| 43 - Chino Valley | Chino, CA |
| 71 - South Corona | Corona, CA |
| 08 - Costa Mesa | Costa Mesa, CA |
| 05 - Cypress | Cypress, CA |
| 26 - Downey | Downey, CA |
| 64 - Elk Grove - Laguna | Elk Grove, CA |
| 66 - Folsom | Folsom, CA |
| 03 - Fountain Valley | Fountain Valley, CA |
| 09 - CSUF Campus | Fullerton, CA |
| 13 - Fullerton | Fullerton, CA |
| 14 - Garden Grove | Garden Grove, CA |
| 30 - Gardena In-Store | Gardena, CA |
| 40 - Hesperia In-Store | Hesperia, CA |
| 10 - Huntington Beach | Huntington Beach, CA |
| 45 - Inglewood | Inglewood, CA |
| 06 - Irvine | Irvine, CA |
| 11 - UCI | Irvine, CA |
| 25 - La Habra | La Habra, CA |
| 17 - Laguna Niguel | Laguna Niguel, CA |
| 39 - Lake Elsinore District Service Center | Lake Elsinore, CA |
| 36 - Lancaster | Lancaster, CA |
| 42 - Long Beach 2nd Street | Long Beach, CA |
| 50 - Long Beach Lakewood | Long Beach, CA |
| 47 - Los Angeles - Ladera Heights | Los Angeles, CA |
| 77 - Mid-City Los Angeles | Los Angeles, CA |
| 53 - Menifee | Menifee, CA |
| 02 - Mission Viejo - Crown Valley | Mission Viejo, CA |
| 12 - Mission Viejo - Santa Margarita | Mission Viejo, CA |
| 32 - Moreno Valley | Moreno Valley, CA |
| 27 - Murrieta | Murrieta, CA |
| 16 - Corona-Norco | Norco, CA |
| 74 - Northridge | Northridge, CA |
| 46 - Oceanside | Oceanside, CA |
| 48 - Orange | Orange, CA |
| 63 - Orangevale | Orangevale, CA |
| 49 - Palm Desert | Palm Desert, CA |
| 37 - Palmdale | Palmdale, CA |
| 44 - Pasadena | Pasadena, CA |
| 70 - Pico Rivera | Pico Rivera, CA |
| 04 - Placentia | Placentia, CA |
| 60 - Placerville | Placerville, CA |
| 73 - Cal Poly District Branch | Pomona, CA |
| 21 - Rancho Cucamonga | Rancho Cucamonga, CA |
| 22 - Redlands | Redlands, CA |
| 41 - Riverside-Riverwalk (ROC) | Riverside, CA |
| 31 - Riverside - Canyon Crest | Riverside, CA |
| 62 - Roseville | Roseville, CA |
| 56 - Sacramento Madison | Sacramento, CA |
| 57 - Sacramento Fruitridge | Sacramento, CA |
| 58 - Sacramento Calvine Pointe | Sacramento, CA |
| 59 - Sacramento College Greens | Sacramento, CA |
| 65 - Sacramento Natomas | Sacramento, CA |
| Sacramento Operations Center | Sacramento, CA |
| 55 - Sacramento Crocker Village | Sacramento, CA |
| 23 - San Bernardino In-Store | San Bernardino, CA |
| 51 - San Clemente | San Clemente, CA |
| 54 - San Diego - Mission Valley | San Diego, CA |
| 24 - San Juan Capistrano District Service Center | San Juan Capistrano, CA |
| 68 - San Juan Capistrano | San Juan Capistrano, CA |
| 01 - Santa Ana | Santa Ana, CA |
| 72 - South Gate | South Gate, CA |
| 33 - Torrance | Torrance, CA |
| Tustin RH1 | Tustin, CA |
| Tustin RH3 | Tustin, CA |
| Tustin RH4 | Tustin, CA |
| 69 - Tustin | Tustin, CA |
| 67 - Upland | Upland, CA |
| 38 - Valencia | Valencia, CA |
| 75 - Ventura District Service Center | Ventura, CA |
| 34 - Victorville | Victorville, CA |
| 18 - Walnut | Walnut, CA |
| 29 - West Covina | West Covina, CA |
| 52 - Whittier | Whittier, CA |
| 61 - Yuba City | Yuba City, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for SCHOOLSFIRST, both outside California so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($35.38B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (93/100 here).
Using this data
- SCHOOLSFIRST ranks #701 of 4,374 nationally on financial health and #46 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- The Golden 1 is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with The Golden 1
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is SCHOOLSFIRST financially healthy?
Yes/no aside, the number is 93/100 (Excellent) - SCHOOLSFIRST's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #701 of 4,374; by total assets it ranks #3 of 4,374 nationally (same basis as /rankings/largest); and #1 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 9.39% net worth ratio and 0.97% delinquency rate are the key drivers.
How does SCHOOLSFIRST compare to other credit unions?
SCHOOLSFIRST scores 93/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join SCHOOLSFIRST?
SCHOOLSFIRST is chartered around a single common bond (Single Common Bond), membership is generally limited to employees of a specific employer or a defined occupational group and their immediate family. Contact SCHOOLSFIRST directly to confirm eligibility.
Is my money safe at SCHOOLSFIRST?
Federal credit unions like SCHOOLSFIRST are 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. SCHOOLSFIRST's net worth ratio of 9.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does SCHOOLSFIRST offer compared to banks?
Credit unions like SCHOOLSFIRST are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact SCHOOLSFIRST directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.