BlastPoint's Credit Union Scorecard

GLENDALE

Charter #7557 · CA

1069 CUs in 100M-500M nationally 63 in CA

GLENDALE has 1 strength but faces 10 concerns

National Analysis

How does the industry compare?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Members Per Employee (MPE): Top 5.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.4% in tier
- Stagnation Risk: Bottom 60.9% in tier
- Membership Headwinds: Bottom 78.5% in tier
- Institutional Decline: Bottom 90.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 2.54% above tier (higher cost structure)
- Total Assets: Bottom 1.0% in tier
- Total Deposits: Bottom 2.5% in tier
- Total Loans: Bottom 9.3% in tier
- Loan Growth Rate: Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	7,965 -1.3% YoY+0.3% QoQ	-7.5K	15,437 -2.9% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	17%
Assets	$101.6M +4.0% YoY+0.7% QoQ	$-130.2M	$231.9M +1.3% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	Bottom 0.9% in tier
Loans	$58.2M -5.7% YoY-0.3% QoQ	$-89.2M	$147.3M -0.1% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	Bottom 9.2% in tier
Deposits	$88.9M +7.6% YoY+0.8% QoQ	$-111.9M	$200.8M +0.8% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	Bottom 2.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +91.3% YoY-8.5% QoQ	-0.3%	0.8% +18.2% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	27%
NIM	3.4% +11.6% YoY+1.6% QoQ	-0.2%	3.6% +6.7% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	38%
Efficiency Ratio	79.6% -11.7% YoY+0.7% QoQ	+2.5%	77.0% -3.1% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	59%
Delinquency Rate	0.4% +100.6% YoY+1442.9% QoQ	-0.5	0.9% +4.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	24%
Loan To Share	65.4% -12.4% YoY-1.1% QoQ	-6.8%	72.2% -1.1% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	33%
AMR	$18,469 +3.3% YoY+0.1% QoQ	$-6K	$24,676 +3.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	24%
CD Concentration	36.2% +17.3% YoY-0.6% QoQ	+11.8%	24.4%	21.7%	19.8%	50%
Indirect Auto %	5.3% -12.5% YoY-3.1% QoQ	-8.5%	13.8%	9.2%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#356 of 705 • Bottom 50.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.21% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#338 of 554 • Bottom 60.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.68%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#435 of 554 • Bottom 78.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#216 of 240 • Bottom 90.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $101.65M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -1.34%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -5.68%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (3 metrics)

Members Per Employee (MPE)

engagement

Value: 497.812

Peer Median: -

#63 of 1069 Top 5.8% in 100M-500M tier

242

Deposit Growth Rate

growth

Value: 7.62%

Peer Median: -

#242 of 1069 Top 22.5% in 100M-500M tier

259

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Median: -

#259 of 1069 Top 24.1% in 100M-500M tier

Top Weaknesses (9 metrics)

1059

Total Assets

balance_sheet

Value: $101.65M

Peer Median: -

#1059 of 1069 Bottom 1.0% in 100M-500M tier

1043

Total Deposits

balance_sheet

Value: $88.92M

Peer Median: -

#1043 of 1069 Bottom 2.5% in 100M-500M tier

971

Total Loans

balance_sheet

Value: $58.18M

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

968

Loan Growth Rate

growth

Value: -5.68%

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

941

Share Certificate Concentration (%)

balance_sheet

Value: 36.18%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier

892

Fee Income Per Member

profitability

Value: $104.38

Peer Median: -

#892 of 1069 Bottom 16.7% in 100M-500M tier

888

Total Members

engagement

Value: 7,965

Peer Median: -

#888 of 1069 Bottom 17.0% in 100M-500M tier

814

Average Member Relationship (AMR)

engagement

Value: $18,469

Peer Median: -

#814 of 1069 Bottom 23.9% in 100M-500M tier

803

First Mortgage Concentration (%)

balance_sheet

Value: 42.06%

Peer Median: -

#803 of 1069 Bottom 25.0% in 100M-500M tier