TellerScore

Schools Federal Credit Union (NCUA charter #3526) is based in Torrance, California. Its Q2 2026 call report shows $195.7M in total assets and $170.5M in member shares and deposits and 2 offices.

Based on its Q2 2026 filing, Schools Federal Credit Union scores 74/100, which we describe as strong. That is higher than 63% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 95th. Its strongest component is funding & liquidity (100/100; 55% loans-to-deposits, 8% uninsured), and its lowest is earnings (39/100; 0.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion69/100
Net worth ratio: 11.91%
Loan quality84/100
Loans 60+ days delinquent ÷ total loans: 0.48%
Earnings39/100
Return on assets (annualized): 0.47%
Funding & liquidity100/100
Loans ÷ shares: 54.9% · 8.4% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 74).

TellerScore
727476Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202472
Q3 202475
Q4 202475
Q1 202575
Q2 202575
Q3 202576
Q4 202576
Q1 202675
Q2 202674
Net worth ratio
7.00%9.63%12.25%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.02%
Q3 202412.25%
Q4 202412.22%
Q1 202511.86%
Q2 202511.85%
Q3 202511.92%
Q4 202512.03%
Q1 202611.97%
Q2 202611.91%
Delinquent loans (60+ days)
0.30%0.39%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.44%
Q3 20240.32%
Q4 20240.30%
Q1 20250.39%
Q2 20250.35%
Q3 20250.34%
Q4 20250.38%
Q1 20260.45%
Q2 20260.48%
Return on assets
0.11%0.33%0.55%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.11%
Q3 20240.25%
Q4 20240.23%
Q1 20250.53%
Q2 20250.50%
Q3 20250.55%
Q4 20250.52%
Q1 20260.48%
Q2 20260.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$195.7M11.91%0.48%0.47%54.9%
Q1 202675$192.7M11.97%0.45%0.48%53.8%
Q4 202576$189.8M12.03%0.38%0.52%53.7%
Q3 202576$189.8M11.92%0.34%0.55%53.6%
Q2 202575$188.3M11.85%0.35%0.50%53.2%
Q1 202575$186.3M11.86%0.39%0.53%55.3%
Q4 202475$178.7M12.22%0.30%0.23%58.2%
Q3 202475$177.4M12.25%0.32%0.25%58.1%
Q2 202472$178.8M12.02%0.44%0.11%57.3%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.91%
56th
Problem loans0.48%
66th
Net charge-offs0.63%
25th
Return on assets0.47%
28th
Loans to deposits54.9%
85th
Uninsured deposits8.4%
26th
Loan-loss reserves0.00%
50th
Texas ratio2.0%
76th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Priority One Credit UnionCredit union South Pasadena, CA87 out of 100, Very strong$205.9M13.9%0.25%vs
Merco Credit UnionCredit union Merced, CA70 out of 100, Strong$207.3M12.6%1.34%vs
Alta Vista Credit UnionCredit union Redlands, CA61 out of 100, Moderate$208.6M8.9%0.51%vs
Compass Community Credit UnionCredit union Eureka, CA74 out of 100, Strong$178.9M12.0%0.03%vs
Camino Federal Credit UnionCredit union Montebello, CA60 out of 100, Moderate$178.8M12.3%1.39%vs

Deposit insurance

Is my money safe at Schools Federal Credit Union?

Yes. Schools Federal Credit Union is a federally insured credit union (NCUA charter #3526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.4% of shares and deposits ($14.3M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.91%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Schools Federal Credit Union lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Schools Federal Credit Union
Type
Federal credit union
NCUA charter #
3526
RSSD ID
935773
Primary regulator
NCUA
Established
1939
Headquarters
20101 Hamilton Ave Ste150, Torrance, CA 90502
Employees
34

Quick answers

Schools Federal Credit Union: common questions

Is Schools Federal Credit Union NCUA insured?

Yes. Schools Federal Credit Union is a federally insured credit union (NCUA charter #3526). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Schools Federal Credit Union's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Schools Federal Credit Union have?

2 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Torrance

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of New York Mellon Trust Company, National AssociationBank Los Angeles, CA100 out of 100, Very strong$1.4B63.5%0.00%vs
Long Beach Firemen S Credit UnionCredit union Long Beach, CA91 out of 100, Very strong$201.5M29.4%0.02%vs
Asian Pacific National BankBank San Gabriel, CA89 out of 100, Very strong$56.9M20.1%0.00%vs
California International Bank, N.A.Bank Westminster, CA89 out of 100, Very strong$120.9M13.5%0.00%vs
Malaga Bank F.S.B.Bank Palos Verdes Peninsula, CA88 out of 100, Very strong$1.4B16.8%0.00%vs
American Plus Bank, N.A.Bank Arcadia, CA88 out of 100, Very strong$935.0M16.5%0.04%vs