PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Schoolsfirst

Santa Ana, CA · Charter 24212

NCUA · 75 branches

Q2 2026

$37.2BAssets
$23.0BLoans
$32.0BShares
$3.5BNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.87%, up 29 bps year over year; NIM at 2.84%.
  • Asset quality: problem loans at 0.91% of loans (+13 bps YoY).
  • Capital: net worth / assets of 9.51%, down 2 bps from a year ago.
  • Funding: loans stand at 72.00% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.87%+29 bps YoY

Net Interest Margin (YTD, annualized)

2.84%+21 bps YoY

Efficiency Ratio (YTD, annualized)

55.22%-363 bps YoY

Net Worth / Assets

9.51%-2 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.58%0.71%0.68%0.78%0.87%+29 bps
Return on Equity6.09%7.37%7.16%8.33%9.20%+311 bps
Net Interest Margin2.63%2.70%2.69%2.82%2.84%+21 bps
Efficiency Ratio58.85%57.54%57.10%56.33%55.22%-363 bps
Growth
Asset Growth (YoY)10.33%10.69%10.80%9.93%9.22%-110 bps
Loan Growth (YoY)7.11%8.47%9.14%9.64%10.08%+297 bps
Share Growth (YoY)12.59%13.28%13.08%11.94%10.97%-163 bps
Asset Quality
Delinquent Loans / Loans0.78%0.88%0.97%0.89%0.91%+13 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.52%9.68%9.54%9.39%9.51%-2 bps
Net Worth / Assets9.52%9.68%9.54%9.39%9.51%-2 bps
Liquidity & Funding
Loans / Shares72.58%73.41%72.53%70.70%72.00%-58 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps