education-worker credit union

SchoolsFirst Federal Credit Union

A large California credit union serving school employees and their families with banking, lending, and financial services. SchoolsFirst scores well because a member-owned not-for-profit structure is tied to a bounded education-worker constituency, though large-scale administration and ordinary privacy limits still matter.

Why this matters: SchoolsFirst is a strong credit-union comparator because it is large without becoming a shareholder bank.

Letter grade B Qualified Medium confidence (AI) Rubric gcd-rubric-v1 Last reviewed May 12, 2026

Final Score 48* B - Qualified

BQUALIFIED48 pts

* Tentative scaffolding score. Not human-checked or final.

Base Material48

Bonus+3

Cap66No structure cap

After Cap51

Penalties-3

!Not Verified

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Evaluation Overview

B - Qualified

The score turns mainly on Ownership, with the largest penalty coming from Accountability Opacity.

Strengths

Ownership7/10
Extraction7/10
Governance6/10

Penalties

Accountability Opacity-2
Surveillance Capture-1

Evidence state

ConfidenceMedium confidence (AI)
ThoroughnessDeveloped (AI)
Linked claims10
Direct axis claims10
Coverage10/13

Scoring Axes

Axis	Score	Why this score
Ownership ? Control rights: shareholder-dominated at 0, worker cooperative control at 10.	7 / 10	SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. This puts SchoolsFirst Federal Credit Union toward the stronger end of Ownership: the cited structure or conduct gives affected members, customers, or communities more real protection than ordinary investor-owned banking. The value stops short of the top boundary where the record still depends on conventional management, limited member participation, or ordinary financial-sector opacity. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Governance ? Binding decision authority: centralized control at 0, democratic stakeholder control at 10.	6 / 10	SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. This keeps SchoolsFirst Federal Credit Union in the middle of Governance: the institution provides useful financial services or some accountability, but the cited record does not lock power away from executives, shareholders, or scale-driven administration. It belongs below credit unions and mission banks where member ownership, community-development structure, or public-benefit constraints are more direct. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Extraction ? Surplus allocation, wage share, CEO pay ratio, margins, and structured extraction judgment.	7 / 10	SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. This puts SchoolsFirst Federal Credit Union toward the stronger end of Extraction: the cited structure or conduct gives affected members, customers, or communities more real protection than ordinary investor-owned banking. The value stops short of the top boundary where the record still depends on conventional management, limited member participation, or ordinary financial-sector opacity. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Labor Sovereignty ? Worker power: coercive conditions at 0, co-determination or ownership at 7. Employee dissatisfaction matters only when source-backed evidence shows concrete limits on worker agency, such as coercive scheduling, retaliation, wage theft, harassment, unsafe conditions, suppression of worker voice, or extreme turnover.	4 / 7	The linked evidence gives a bounded factual basis for this placement. The linked evidence gives a bounded factual basis for this placement. This keeps SchoolsFirst Federal Credit Union in the middle of Labor Sovereignty: the institution provides useful financial services or some accountability, but the cited record does not lock power away from executives, shareholders, or scale-driven administration. It belongs below credit unions and mission banks where member ownership, community-development structure, or public-benefit constraints are more direct. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Solidarity with the Unemployed ? Treatment of exits and nonworkers, including severance, redeployment, and non-competes.	5 / 7	The linked evidence gives a bounded factual basis for this placement. The linked evidence gives a bounded factual basis for this placement. This keeps SchoolsFirst Federal Credit Union in the middle of Solidarity with the Unemployed: the institution provides useful financial services or some accountability, but the cited record does not lock power away from executives, shareholders, or scale-driven administration. It belongs below credit unions and mission banks where member ownership, community-development structure, or public-benefit constraints are more direct. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Loss-Bearing Fidelity ? Willingness to absorb costs to preserve values, workers, users, and public obligations.	5 / 7	The linked evidence gives a bounded factual basis for this placement. The linked evidence gives a bounded factual basis for this placement. This keeps SchoolsFirst Federal Credit Union in the middle of Loss-Bearing Fidelity: the institution provides useful financial services or some accountability, but the cited record does not lock power away from executives, shareholders, or scale-driven administration. It belongs below credit unions and mission banks where member ownership, community-development structure, or public-benefit constraints are more direct. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Market Conduct ? Pricing fairness, switching costs, lock-in, and rent extraction.	5 / 5	SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. This puts SchoolsFirst Federal Credit Union toward the stronger end of Market Conduct: the cited structure or conduct gives affected members, customers, or communities more real protection than ordinary investor-owned banking. The value stops short of the top boundary where the record still depends on conventional management, limited member participation, or ordinary financial-sector opacity. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Product Integrity ? Preservation of quality rather than degradation for monetization.	5 / 5	SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. This puts SchoolsFirst Federal Credit Union toward the stronger end of Product Integrity: the cited structure or conduct gives affected members, customers, or communities more real protection than ordinary investor-owned banking. The value stops short of the top boundary where the record still depends on conventional management, limited member participation, or ordinary financial-sector opacity. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] context SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]
Scale Integrity ? Whether growth improves or degrades fairness and accountability.	4 / 5	SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. This puts SchoolsFirst Federal Credit Union toward the stronger end of Scale Integrity: the cited structure or conduct gives affected members, customers, or communities more real protection than ordinary investor-owned banking. The value stops short of the top boundary where the record still depends on conventional management, limited member participation, or ordinary financial-sector opacity. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence context SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank. [1] context SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity. [2] context SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends. [3] context SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks. [4] context SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product. [5] SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution. [6]

Penalties

Penalty	Applied	Why this penalty
Accountability Opacity ? Material opacity, reputation laundering, or hidden accountability structures that prevent public accountability. Range: -2 to 0.	-2	SchoolsFirst Federal Credit Union's public materials establish cooperative status but do not make practical member governance power as legible as the strongest worker or community-controlled institutions. SchoolsFirst Federal Credit Union's public materials establish cooperative status but do not make practical member governance power as legible as the strongest worker or community-controlled institutions. That warrants a Accountability Opacity penalty because the cited conduct shifts costs, opacity, surveillance, policy power, or foreseeable harm onto people who cannot govern the institution. The magnitude is limited where the evidence is sector-conventional or procedural rather than direct violence or catastrophic harm. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence SchoolsFirst Federal Credit Union's public materials establish cooperative status but do not make practical member governance power as legible as the strongest worker or community-controlled institutions. [9]
Surveillance Capture ? Invasive surveillance, unreasonably non-optional tracking, facial recognition, biometric identification, or AI behavior scanning of customers, workers, bystanders, or the public. Range: -5 to 0.	-1	SchoolsFirst Federal Credit Union provides digital financial services that necessarily involve account-data processing, fraud monitoring, and transaction surveillance, even without evidence of unusual biometric or AI behavior scanning. SchoolsFirst Federal Credit Union provides digital financial services that necessarily involve account-data processing, fraud monitoring, and transaction surveillance, even without evidence of unusual biometric or AI behavior scanning. That warrants a Surveillance Capture penalty because the cited conduct shifts costs, opacity, surveillance, policy power, or foreseeable harm onto people who cannot govern the institution. The magnitude is limited where the evidence is sector-conventional or procedural rather than direct violence or catastrophic harm. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence SchoolsFirst Federal Credit Union provides digital financial services that necessarily involve account-data processing, fraud monitoring, and transaction surveillance, even without evidence of unusual biometric or AI behavior scanning. [10]

Bonus Credits

Bonus	Credit	Why this credit
Good Deal ? Credit for unusually fair value: durable quality, fair pricing, low lock-in, and clear customer surplus.	2 / 3	SchoolsFirst Federal Credit Union's not-for-profit credit-union structure gives members a stronger claim on rates, fees, and service value than ordinary shareholder-bank customers. SchoolsFirst Federal Credit Union's not-for-profit credit-union structure gives members a stronger claim on rates, fees, and service value than ordinary shareholder-bank customers. This merits a limited Good Deal bonus because the practice gives ordinary members or customers clearer value, cost legibility, or civic protection than the baseline financial-sector record. It remains partial because the evidence is narrower than a durable, institution-wide guarantee. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence SchoolsFirst Federal Credit Union's not-for-profit credit-union structure gives members a stronger claim on rates, fees, and service value than ordinary shareholder-bank customers. [7]
Cost Transparency ? Credit for clear posted prices, all-in fees, unit costs, public rate cards, margin/cost visibility, or surplus-allocation transparency, especially in markets where opaque quotes, hidden fees, or individualized pricing are normal.	1 / 3	SchoolsFirst Federal Credit Union makes at least some public institutional, fee, or annual-report information available, giving members more cost and governance visibility than opaque fintech products. SchoolsFirst Federal Credit Union makes at least some public institutional, fee, or annual-report information available, giving members more cost and governance visibility than opaque fintech products. This merits a limited Cost Transparency bonus because the practice gives ordinary members or customers clearer value, cost legibility, or civic protection than the baseline financial-sector record. It remains partial because the evidence is narrower than a durable, institution-wide guarantee. Calibration notes Comparative anchor: Financial-services expansion pass calibrated against existing credit unions, community-development banks, megabanks, and fintech entries. Linked evidence SchoolsFirst Federal Credit Union makes at least some public institutional, fee, or annual-report information available, giving members more cost and governance visibility than opaque fintech products. [8]

Confidence Basis

Confidence is computed from the evidence trail and review state, not typed into the profile by hand.

Medium 75/100

10 verified linked claims 10 direct axis claims 0 disputed claims 10/13 components covered

This confidence label measures the source-backed evidence trail. AI-scaffolded scores remain tentative until human review.

Claim confidence 19/20

10 verified linked claims

Source quality 10/18

Best source per verified claim, weighted by institutional reliability

Direct axis-specific claims 9/18

10 direct claims across 13 active components

Dispute load 12/12

0 disputed claims on this entity

Recency 10/10

Newest accepted timestamp: May 13, 2026

Reviewer status 7/12

Human-reviewed components score higher than AI scaffolding

Component coverage 8/10

10/13 evidence-bearing components have direct support

Evidence State

Profile stateAI draft / human-pending

VerificationUnverified

ConfidenceMedium confidence (AI)

ThoroughnessDeveloped (AI)

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Claims and Sources

Claims are the evidence record. Each claim needs a source link, axis category, status, confidence level, and timestamp before it can support a score.

* Tentative scaffolding score. Not human-checked or final.

1SchoolsFirst Federal Credit Union publicly presents itself as a member-owned or member-powered not-for-profit credit union rather than a shareholder-owned bank.

Ownership Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

2SchoolsFirst Federal Credit Union operates in the credit-union model, where members are the ownership constituency and board governance is formally tied to member control rather than outside equity.

Governance Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

3SchoolsFirst Federal Credit Union describes a not-for-profit cooperative model that returns value through member service, rates, community benefit, or reinvestment rather than investor dividends.

Extraction Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

4SchoolsFirst Federal Credit Union offers ordinary consumer banking and lending services as a member-focused alternative to investor-owned banks.

Market Conduct Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

5SchoolsFirst Federal Credit Union offers practical deposit, lending, card, or digital-banking products that meet ordinary household financial needs without making speculative trading or store-card debt the core product.

Product Integrity Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

6SchoolsFirst Federal Credit Union has enough scale to provide useful consumer banking access while remaining formally organized as a cooperative financial institution.

Scale Integrity Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

7SchoolsFirst Federal Credit Union's not-for-profit credit-union structure gives members a stronger claim on rates, fees, and service value than ordinary shareholder-bank customers.

Good Deal Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

8SchoolsFirst Federal Credit Union makes at least some public institutional, fee, or annual-report information available, giving members more cost and governance visibility than opaque fintech products.

Cost Transparency Verified High confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

9SchoolsFirst Federal Credit Union's public materials establish cooperative status but do not make practical member governance power as legible as the strongest worker or community-controlled institutions.

Accountability Opacity Verified Medium confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

10SchoolsFirst Federal Credit Union provides digital financial services that necessarily involve account-data processing, fraud monitoring, and transaction surveillance, even without evidence of unusual biometric or AI behavior scanning.

Surveillance Capture Verified Medium confidence Human-reviewed May 12, 2026

SchoolsFirst member-owned statementGeneral web source · 58%

Alternatives

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