CUST vs SCHO: Grades, Fees and Holdings Compared

Corgi 1-3 Year Treasury Bond ETF

CUSTCCboe

Schwab Short-Term U.S. Treasury ETF

SCHOANYSE Arca

Overlap

0.0%by weight

Expense ratio

SCHO −0.02pt a year

CUST0.05%SCHO0.03%

Avg volume · 30D

SCHO 688.4×the volume

CUST6.62KSCHO4.55M

CUST vs SCHO Performance

Jul 31, 2026 – Nov 2, 2026

+0.7%CUST+0.6%SCHO

Expense ratio: CUST 0.05%; SCHO 0.03%, better
Fund size: CUST $11M; SCHO $15.7B
1Y total return: CUST No data; SCHO +2.1%
Yield (12M): CUST No data; SCHO 4.18%
Holdings: CUST 94; SCHO 97
Avg volume (30D): CUST 6.62K sh; SCHO 4.55M sh, better
NAV per share: CUST $24.88; SCHO $24.01
52W range

ETF.net Grade

Pillar letters and Scores for CUST, SCHO, with each pillar’s weight
Pillar	CUST	SCHO
Cost30% weight	B68	A89Higher
Mission25% weight	Not scored	A100
Risk15% weight	C52	B55Higher
Tradability15% weight	F14	A79Higher
Holdings10% weight	A79Higher	B69
Durability5% weight	F5	A77Higher

Rank among Treasuries (1-3 Year) funds

How we build Categories ›

Same Category. CUST and SCHO are both graded against the same 15 Treasuries (1-3 Year) funds, so their Grades compare head to head.

Treasuries (1-3 Year)⁠

Category · 15 funds

See all 15 ›

SCHO ranks 1st and CUST 13th of 15 funds in the Treasuries (1-3 Year) Category.

Rank 1ASCHOSchwab Short-Term U.S. Treasury ETFScore 82
Rank 2ASPTSState Street SPDR Portfolio Short Term Treasury ETFScore 81
Rank 12CFTSDFranklin Short Duration U.S. Government ETFScore 53
Rank 13CCUSTCorgi 1-3 Year Treasury Bond ETFScore 51
Rank 14CBWZSPDR Bloomberg Short Term International Treasury Bond ETFScore 44

Our read on each fund

ETF.net Research

CUSTCCorgi 1-3 Year Treasury Bond ETF

SCHOASchwab Short-Term U.S. Treasury ETF

In short

CUST No data

SCHO Short Treasuries, stripped to the studs: roughly 100 US government bonds maturing in one to three years, wrapped in a 0.03% fee. Running since 2010, and one of the tighter builds in its corner of the bond market.

Stated mandate

CUST No data

SCHO The fund seeks to track, before fees and expenses, the total return of an index representing the short-term U.S. Treasury bond market.

Why people hold it

CUST No data

SCHO 0.03% a year, a fifth of the 0.15% on the category's best-known fund, SHY. When every fund in the aisle owns the same Treasuries, the fee is the main lever.
Pure government paper: the Bloomberg US Treasury 1-3 Year Index, tracked very closely. No corporate bonds, no credit spread dressed up as yield.schwabassetmanagement.com
A multi-billion-dollar fund that trades actively and pays income monthly, so entering and exiting rarely means wrestling the spread.
Live since 2010 and among the strongest implementations in the short-Treasury peer group, which matters in a slice of the market where execution is the whole game.

Worth knowing

CUST No data

SCHO Bonds, not cash. One to three year maturities still reprice when rates move, so the share price wobbles instead of sitting flat.schwabassetmanagement.com
Income floats with short-term Treasury yields rather than locking in, so the monthly payout moves up and down as rates do.
The 0.03% fee is a three-way tie with VGSH and SPTS, and VGSH tracks the identical index, so cost alone will not separate them.

Full CUST profile⁠

Full SCHO profile⁠

CUST vs SCHO Holdings

How CUST and SCHO differ

Overlap by weight

0.0%

Shared holdings make up 0.0% of CUST and 0.0% of SCHO.

Level by level

Asset classEquity, Fixed Income0.0%
Holdings0 in both0.0%
Countryby domicile100%

Sector

No Sector split for CUST and SCHO.

Country, concentration and asset class

Country by domicile

Country weights in CUST and SCHO, widest gap first
Country	More in CUSTMore in SCHO	CUST	SCHO
United States	Same weight	100.0%	100.0%

Concentration

Weight in the 10 largest Holdings

CUST14.3%
SCHO14.3%

Securities held

CUST93
SCHO97

Asset class

CUST: Equity
SCHO: Fixed Income

Holdings

Only in CUST93
In both0
Only in SCHO97

Only in CUST

93 securities, 98.6% of CUST by weight

United States Treasury Note/Bond 3.5% 01/31/20282.12%
United States Treasury Note/Bond 3.5% 09/30/20291.47%
United States Treasury Note/Bond 4.625% 04/30/20291.35%
United States Treasury Note/Bond 3.625% 08/31/20291.35%
United States Treasury Note/Bond 4.25% 06/30/20291.34%
United States Treasury Note/Bond 4% 07/31/20291.34%
United States Treasury Note/Bond 4.75% 09/30/20281.33%
United States Treasury Note/Bond 4.5% 05/31/20291.33%
United States Treasury Note/Bond 4.25% 07/31/20281.32%
United States Treasury Note/Bond 4.125% 06/30/20281.32%
United States Treasury Note/Bond 4.125% 08/31/20281.32%
United States Treasury Note/Bond 4% 05/31/20281.32%
United States Treasury Note/Bond 3.875% 03/31/20281.32%
United States Treasury Note/Bond 3.75% 04/30/20281.32%
United States Treasury Note/Bond 3.375% 12/31/20271.31%
United States Treasury Note/Bond 3.375% 02/29/20281.31%
United States Treasury Note/Bond 3.375% 11/30/20271.30%
United States Treasury Note/Bond 4.875% 10/15/20291.28%
United States Treasury Note/Bond 4.125% 03/31/20291.28%
United States Treasury Note/Bond 3.5% 10/31/20271.27%
United States Treasury Note/Bond 4.25% 02/28/20291.22%
United States Treasury Note/Bond 2.875% 05/15/20281.17%
United States Treasury Note/Bond 2.875% 08/15/20281.16%
United States Treasury Note/Bond 4% 01/31/20291.15%
United States Treasury Note/Bond 4.375% 09/15/20291.15%
United States Treasury Note/Bond 1.125% 02/29/20281.14%
United States Treasury Note/Bond 1.25% 04/30/20281.13%
United States Treasury Note/Bond 4.25% 08/15/20291.13%
United States Treasury Note/Bond 1.25% 05/31/20281.12%
United States Treasury Note/Bond 4.125% 07/15/20291.12%
United States Treasury Note/Bond 3.125% 11/15/20281.12%
United States Treasury Note/Bond 0.75% 01/31/20281.12%
United States Treasury Note/Bond 4.25% 01/15/20281.11%
United States Treasury Note/Bond 4.125% 06/15/20291.11%
United States Treasury Note/Bond 4% 12/15/20271.11%
United States Treasury Note/Bond 2.75% 02/15/20281.11%
United States Treasury Note/Bond 3.875% 05/15/20291.10%
United States Treasury Note/Bond 3.875% 06/15/20281.10%
United States Treasury Note/Bond 3.75% 04/15/20281.10%
United States Treasury Note/Bond 3.875% 07/15/20281.10%
United States Treasury Note/Bond 1.25% 09/30/20281.10%
United States Treasury Note/Bond 3.875% 03/15/20281.10%
United States Treasury Note/Bond 3.875% 04/15/20291.10%
United States Treasury Note/Bond 3.75% 12/31/20281.10%
United States Treasury Note/Bond 4.125% 11/15/20271.09%
United States Treasury Note/Bond 2.625% 02/15/20291.09%
United States Treasury Note/Bond 3.5% 10/15/20281.09%
United States Treasury Note/Bond 3.5% 11/15/20281.09%
United States Treasury Note/Bond 3.375% 09/15/20281.09%
United States Treasury Note/Bond 3.5% 12/15/20281.09%

Only in SCHO

97 securities, 100% of SCHO by weight

Treasury Note 3.50% 01/31/2028 (BBG01CGJ5RZ0)2.16%
Treasury Note 4.63% 04/30/2029 (BBG01MJJ8508)1.37%
Treasury Note 4.75% 09/30/2028 (BBG0251768M1)1.36%
Treasury Note 4.25% 06/30/2029 (BBG01NG25L95)1.36%
Treasury Note 4.25% 07/31/2028 (BBG023TGDN54)1.35%
Treasury Note 4.50% 05/31/2029 (BBG01N1MJ0C4)1.35%
Treasury Note 4.00% 07/31/2029 (BBG01NWT5SZ4)1.35%
Treasury Note 4.13% 06/30/2028 (BBG022ZR1Z79)1.35%
Treasury Note 4.13% 08/31/2028 (BBG024DLZ8H4)1.35%
Treasury Note 4.00% 05/31/2028 (BBG022DR1NF1)1.34%
Treasury Note 3.88% 03/31/2028 (BBG020ZG8QW2)1.34%
Treasury Note 3.75% 04/30/2028 (BBG021RVWQY7)1.34%
Treasury Note 3.38% 12/31/2027 (BBG01Z1PSLF1)1.34%
Treasury Note 3.63% 08/31/2029 (BBG01PFSTP44)1.34%
Treasury Note 3.38% 02/29/2028 (BBG020BMV715)1.34%
Treasury Note 3.50% 09/30/2029 (BBG01PXLG716)1.33%
Treasury Note 3.38% 11/30/2027 (BBG01YKHNDX4)1.32%
Treasury Note 4.13% 03/31/2029 (BBG01M44ZQJ1)1.30%
Treasury Note 3.50% 10/31/2027 (BBG01Y0MGW61)1.30%
Treasury Note 4.25% 02/28/2029 (BBG01LNVJ8B8)1.24%
Treasury Note 2.88% 05/15/2028 (BBG00KTN6SD1)1.19%
Treasury Note 2.88% 08/15/2028 (BBG00LLX73Q5)1.19%
Treasury Note 4.00% 01/31/2029 (BBG01L3DFGS8)1.18%
Treasury Note 1.13% 02/29/2028 (BBG00ZCLVT68)1.16%
Treasury Note 1.25% 04/30/2028 (BBG0109YYZ18)1.15%
Treasury Note 1.25% 05/31/2028 (BBG0115Q7979)1.14%
Treasury Note 3.13% 11/15/2028 (BBG00MFJPBK9)1.14%
Treasury Note 0.75% 01/31/2028 (BBG00Z0G4261)1.14%
Treasury Note 4.25% 01/15/2028 (BBG01RL4LN85)1.14%
Treasury Note 2.75% 02/15/2028 (BBG00JXPJX94)1.13%
Treasury Note 4.00% 12/15/2027 (BBG01R4Z7Y32)1.13%
Treasury Note 4.38% 09/15/2029 (BBG024S5KND0)1.13%
Treasury Note 4.25% 08/15/2029 (BBG02444V9P5)1.13%
Treasury Note 3.88% 06/15/2028 (BBG01VBK92R0)1.13%
Treasury Note 3.75% 04/15/2028 (BBG01T4PDX26)1.13%
Treasury Note 3.88% 07/15/2028 (BBG01VV08ZW4)1.13%
Treasury Note 4.13% 06/15/2029 (BBG022Q0QGK8)1.13%
Treasury Note 4.13% 07/15/2029 (BBG023C7WHW4)1.13%
Treasury Note 1.25% 09/30/2028 (BBG012PP9GR7)1.12%
Treasury Note 3.88% 03/15/2028 (BBG01SMJVJ14)1.12%
Treasury Note 3.88% 04/15/2029 (BBG021BCBPD4)1.12%
Treasury Note 3.75% 12/31/2028 (BBG01KR4STF6)1.12%
Treasury Note 3.88% 05/15/2029 (BBG0221YLR22)1.12%
Treasury Note 3.50% 10/15/2028 (BBG01XM38CZ2)1.12%
Treasury Note 3.38% 09/15/2028 (BBG01X05YWR7)1.12%
Treasury Note 3.50% 12/15/2028 (BBG01YTX7QJ5)1.11%
Treasury Note 2.63% 02/15/2029 (BBG00N740958)1.11%
Treasury Note 3.50% 01/15/2029 (BBG01ZDC8DP6)1.11%
Treasury Note 3.50% 02/15/2029 (BBG01ZZ4GDP1)1.11%
Treasury Note 3.50% 11/15/2028 (BBG01Y9RFK22)1.11%

Weight gaps

CUST and SCHO share no securities.

All 93 CUST holdings⁠All 97 SCHO holdings⁠

How we measure overlap

Each holding counts at its smaller weight in the two funds, summed over the full Holdings. Sector, country and asset class use the same rule on each fund’s split. Cash, FX and derivative lines stay out of the counts. Two bond funds get no overlap figure.

CUST vs SCHO Cost

Overpaying CUST vs SCHO

$422

On $10,000 over 30 years. 7% growth a year before fees, expense ratio only.

CUST 0.05%
$1,060
SCHO 0.03%
$638

Amount$10,000

Years30 years

Cost over time

CUST 0.05%
SCHO 0.03%
Overpaying

Year by year

Year	CUST	SCHO	Overpaying
10	$92	$55	$37
20	$360	$216	$144
30	$1,060	$638	$422

Expense ratio

0.05%CUST
0.03%SCHO, cheaper

SCHO0.03%CUST0.05%

0.03%0.35%

Middle half of Treasuries (1-3 Year) funds
Median 0.15%

SCHO cheapest of 15 funds

CUST 5th cheapest of 15 funds

CUST vs SCHO Dividends

Last 12 months to Nov 2, 2026

Yield (12M): CUST No data; SCHO 4.18%
Payout (12M): CUST No data; SCHO $1.00
Last payment: CUST $0.08; SCHO $0.08
Ex-dividend: CUST Oct 30, 2026; SCHO Nov 2, 2026
Paid on: CUST Nov 2, 2026; SCHO Pays Nov 6, 2026
Frequency: CUST Monthly; SCHO Monthly

Distribution history

Per share, 2023 to 2026, same scale for both

CUSTMonthly · 5 paymentsAll CUST payments⁠

SCHOMonthly · 46 paymentsAll SCHO payments⁠

CUST vs SCHO Risk

Fall from peak · 5 years

This chart needs five years of history for both funds.

Risk facts

VolatilityStd dev, 3 years: CUST No dataSCHO 1.7%
Return per unit of riskSharpe ratio, 3 years: CUST No dataSCHO −0.17
Worst fallMax drawdown, 5 years: CUST No dataSCHO −5.4%
Market sensitivityBeta, 5 years: CUST 0.18SCHO 0.23; Market = 1

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