BlastPoint's Credit Union Scorecard
GLENDALE
Charter #7557 · CA
GLENDALE has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 3.5% in tier
- + Total Delinquency Rate (60+ days): Top 1.1% in tier
- + Members Per Employee (MPE): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 23.5% in tier
- - Institutional Decline: Bottom 28.5% in tier
- - Stagnation Risk: Bottom 29.1% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 1.74% above tier (higher cost structure)
- - Total Assets: Bottom 0.5% in tier
- - Total Deposits: Bottom 2.2% in tier
- - Total Loans: Bottom 8.9% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,944
-1.5% YoY+0.3% QoQ
|
-7.7K |
15,628
-3.4% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
16% |
| Assets |
$100.9M
-0.2% YoY+1.0% QoQ
|
$-130.4M |
$231.3M
-0.0% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.4% in tier |
| Loans |
$58.4M
-6.2% YoY-1.5% QoQ
|
$-89.4M |
$147.8M
-1.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.8% in tier |
| Deposits |
$88.3M
+6.3% YoY+0.4% QoQ
|
$-112.0M |
$200.3M
-0.0% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
+123.5% YoY+152.2% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.4%
+14.0% YoY+2.2% QoQ
|
-0.2% |
3.6%
+6.9% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
36% |
| Efficiency Ratio |
79.0%
-12.6% YoY-8.5% QoQ
|
+1.7% |
77.3%
-3.0% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
57% |
| Delinquency Rate |
0.0%
-88.6% YoY-67.9% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.1% in tier |
| Loan To Share |
66.1%
-11.7% YoY-1.8% QoQ
|
-6.6% |
72.7%
-1.5% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
33% |
| AMR |
$18,457
+2.5% YoY-0.7% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration |
36.4%
+23.5% YoY+3.4% QoQ
|
+12.0% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.4%
-4.7% YoY-5.6% QoQ
|
-8.5% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)