TellerScore

Schoolsfirst Federal Credit Union (NCUA charter #24212) is based in Santa Ana, California. Its Q2 2026 call report shows $37.2B in total assets and $32.0B in member shares and deposits and 30 offices.

Schoolsfirst Federal Credit Union has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than 52% of its 25 credit unions with over $10 billion. Among 238 credit unions headquartered in California, it ranks 151st. Funding & liquidity contributes the most (88/100, 72% loans-to-deposits, 11% uninsured); capital cushion contributes the least (45/100, 9.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Net worth ratio: 9.51%
Loan quality70/100
Loans 60+ days delinquent ÷ total loans: 0.91%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity88/100
Loans ÷ shares: 72.0% · 11.2% uninsured
Problem-loan coverage88/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.08%

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 (63 → 64).

TellerScore
626364Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202462
Q3 202463
Q4 202462
Q1 202563
Q2 202563
Q3 202564
Q4 202562
Q1 202663
Q2 202664
Net worth ratio
7.00%8.50%10.00%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20249.87%
Q3 202410.00%
Q4 20249.85%
Q1 20259.55%
Q2 20259.52%
Q3 20259.68%
Q4 20259.54%
Q1 20269.39%
Q2 20269.51%
Delinquent loans (60+ days)
0.74%0.85%0.97%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.74%
Q3 20240.83%
Q4 20240.87%
Q1 20250.78%
Q2 20250.78%
Q3 20250.88%
Q4 20250.97%
Q1 20260.89%
Q2 20260.91%
Return on assets
0.37%0.62%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.37%
Q3 20240.50%
Q4 20240.52%
Q1 20250.54%
Q2 20250.58%
Q3 20250.71%
Q4 20250.68%
Q1 20260.78%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$37.2B9.51%0.91%0.87%72.0%
Q1 202663$36.7B9.39%0.89%0.78%70.7%
Q4 202562$35.4B9.54%0.97%0.68%72.5%
Q3 202564$34.4B9.68%0.88%0.71%73.4%
Q2 202563$34.1B9.52%0.78%0.58%72.6%
Q1 202563$33.4B9.55%0.78%0.54%72.2%
Q4 202462$31.9B9.85%0.87%0.52%75.1%
Q3 202463$31.1B10.00%0.83%0.50%76.7%
Q2 202462$30.9B9.87%0.74%0.37%76.3%

25 peers · Over $10 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 ratio9.51%
21st
Problem loans0.91%
54th
Net charge-offs1.03%
25th
Return on assets0.87%
50th
Loans to deposits72.0%
92nd
Uninsured deposits11.2%
54th
Loan-loss reserves0.00%
50th
Texas ratio6.1%
63rd

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
First Technology Federal Credit UnionCredit union San Jose, CA53 out of 100, Below average$27.9B10.8%1.61%vs
The Golden 1 Credit UnionCredit union Sacramento, CA62 out of 100, Moderate$22.2B9.9%0.80%vs
Redwood Credit UnionCredit union Santa Rosa, CA78 out of 100, Strong$10.7B13.3%0.72%vs

Deposit insurance

Is my money safe at Schoolsfirst Federal Credit Union?

Yes. Schoolsfirst Federal Credit Union is a federally insured credit union (NCUA charter #24212). 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 11.2% of shares and deposits ($3.6B) are above the $250,000 NCUA insurance limit, close to the peer median of 12%. Insured balances are protected regardless of the score.

The net worth ratio is 9.51%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

30 locations

Branches

Schoolsfirst Federal Credit Union lists 30 offices in 25 cities. Most locations:

All branch addresses and map

CFPB complaint database

Consumer complaints

Over the last three years, the CFPB forwarded 388 consumer complaints about SCHOOLSFIRST FEDERAL CREDIT UNION to the company (186 in the last 12 months). 100.0% received a timely response. That is 12.1 complaints per $1 billion of deposits, versus a median of 8.5 among institutions with complaint data.

Complaint counts reflect volume, not validity: the CFPB does not verify complaints, and large institutions receive more because they serve more customers. Complaints are filed under the parent company name, which may cover affiliates.

Complaint breakdown by product and issue

CFPB TCCP survey · December 31, 2025

Credit card terms

CardPurchase APRAnnual feeLate feeForeign fee
Inspire Mastercard12.00% – 17.90%$0—2.0%
Rewards Mastercard13.25% – 17.90%$0—0.0%
School Employee Mastercard10.00% – 17.90%$0—2.0%
Share-Secured Mastercard13.90%$0—2.0%

All Schoolsfirst Federal Credit Union card terms

Identity & history

Profile

Legal name
Schoolsfirst Federal Credit Union
Type
Federal credit union
NCUA charter #
24212
RSSD ID
937898
Primary regulator
NCUA
Established
1934
Headquarters
P.O. Box 11547, Santa Ana, CA 92711
Employees
2,988

Quick answers

Schoolsfirst Federal Credit Union: common questions

Is Schoolsfirst Federal Credit Union NCUA insured?

Yes. Schoolsfirst Federal Credit Union is a federally insured credit union (NCUA charter #24212). 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 Schoolsfirst Federal Credit Union's TellerScore?

64 out of 100 (Moderate), 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 Schoolsfirst Federal Credit Union have?

30 offices as of the latest NCUA data.