Credit Union Safety Analysis
Is SchoolsFirst Federal Credit Union Safe? Tustin, California
Based on its Q2 2026 NCUA 5300 call report, SchoolsFirst Federal Credit Union has a net worth ratio of 9.51%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.91%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, SchoolsFirst Federal Credit Union's net worth ratio is 9.51%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 9.51%
- Delinquency ratio (60+ days) (Q2 2026): 0.91%
- Return on assets (Q2 2026): 0.98%
- Loan-to-share ratio (Q2 2026): 72.00%
SchoolsFirst Federal Credit Union (NCUA charter 24212, established 1934) reported $37.23B in assets and 1,579,561 members for Q2 2026 from Tustin, California. It is the largest of 238 credit unions in California by total assets. Total assets grew 9.2% from $34.09B on June 30, 2025. It has 84,815 more members than on June 30, 2025 (+5.7%). Its net worth ratio was down 0.01 percentage points from 9.52% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $12.87B of $23.04B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.91% matches the 0.91% median of the 24 credit unions with $10B to $100B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 24 credit unions with $10B to $100B in assets: 10.42%; middle half of peers: 9.55% to 11.84%.
Earlier filings: 9.39% for Q1 2026; 9.52% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.91%; middle half of peers: 0.64% to 1.27%.
Earlier filings: 0.89% for Q1 2026; 0.78% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 0.97%; middle half of peers: 0.59% to 1.31%.
Earlier filings: 0.78% for Q1 2026; 0.64% for Q2 2025.
Median of the 24 credit unions with $10B to $100B in assets: 89.87%; middle half of peers: 81.23% to 93.33%.
Earlier filings: 70.70% for Q1 2026; 72.58% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $12.87B
- Used vehicle loans: $3.43B
- New vehicle loans: $2.49B
- Other unsecured loans and lines of credit: $2.49B
- Unsecured credit card loans: $1.47B
- Commercial loans: $277.6M
- Other secured non-real estate loans and lines of credit: $6.8M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $37.23B | 9.51% | 0.91% | 0.98% | 72.00% |
| March 31, 2026 | $36.74B | 9.39% | 0.89% | 0.78% | 70.70% |
| December 31, 2025 | $35.38B | 9.54% | 0.97% | 0.65% | 72.53% |
| September 30, 2025 | $34.41B | 9.68% | 0.88% | 0.99% | 73.41% |
| June 30, 2025 | $34.09B | 9.52% | 0.78% | 0.64% | 72.58% |
| March 31, 2025 | $33.42B | 9.55% | 0.78% | 0.54% | 72.18% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
SchoolsFirst Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24212) · FFIEC NIC profile (RSSD 937898)
Frequently asked questions
Is SchoolsFirst Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, SchoolsFirst Federal Credit Union's net worth ratio is 9.51%, above the 7% NCUA threshold for well capitalized.
Is SchoolsFirst Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. SchoolsFirst Federal Credit Union is a federally insured credit union (NCUA charter 24212): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are SchoolsFirst Federal Credit Union's key safety ratios?
For Q2 2026, SchoolsFirst Federal Credit Union reports net worth 9.51%, delinquency 0.91%, ROA 0.98%, loan-to-share 72.00%.
What happens to my money if SchoolsFirst Federal Credit Union fails?
For Q2 2026, SchoolsFirst Federal Credit Union held $32.00B in shares and deposits for 1,579,561 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.