BlastPoint's Credit Union Scorecard

GLENDALE

Charter #7557 · CA

100M-500M

1024 CUs in 100M-500M nationally 57 in CA

GLENDALE has 5 strengths but faces 8 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

+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Net Interest Margin 0.11% above tier average
+ Members Per Employee (MPE): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- ROA 0.17% below tier average
- Efficiency ratio 0.12% above tier (higher cost structure)
- Total Deposits: Bottom 1.6% in tier
- Total Assets: Bottom 1.9% in tier
- Fee Income Per Member: Bottom 6.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 57 that size in California.
Shares and deposits -1.6% year over year ($86.5M in shares and deposits).
Membership: 8,002 members, +1.1% vs a year ago.
Delinquency rate 0.29%.
Return on assets 0.69%.
Efficiency ratio 76.86% vs a 76.73% peer average.
Loan-to-share ratio 73.38% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	8,002 +1.1% YoY-0.5% QoQ	-7.2K	15,168 -2.6% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	18%
Assets	$102.7M +2.8% YoY+0.2% QoQ	$-129.3M	$232.0M +0.7% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Bottom 1.8% in tier
Loans	$63.5M +7.2% YoY+4.6% QoQ	$-82.8M	$146.3M +0.2% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	Bottom 12.8% in tier
Deposits	$86.5M -1.6% YoY-3.4% QoQ	$-114.2M	$200.7M +0.2% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Bottom 1.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% +259.7% YoY+38.4% QoQ	-0.2%	0.9% +12.5% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	45%
NIM	3.8% +15.5% YoY+3.8% QoQ	+0.1%	3.7% +4.5% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	59%
Efficiency Ratio	76.9% -11.0% YoY-1.4% QoQ	+0.1%	76.7% -0.8% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	48%
Delinquency Rate	0.3% +243.3% YoY-78.6% QoQ	-0.6	0.9% +6.6% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	17%
Loan To Share	73.4% +8.9% YoY+8.3% QoQ	+1.8%	71.5% -0.3% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	51%
AMR	$18,745 +0.9% YoY+0.4% QoQ	$-6K	$25,107 +3.2% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	24%
CD Concentration	35.5% +0.7% YoY+1.6% QoQ	+10.9%	24.6%	22.2%	20.0%	50%
Indirect Auto %	6.7% +17.0% YoY+11.3% QoQ	-6.9%	13.6%	9.2%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#287 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.06%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 6.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#311 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.06%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.69%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 6.74%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#172 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.69%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 1.06%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#176 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 7.15%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.20% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#336 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.20% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Deposit Outflow

decline

#76 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.60%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 1.06%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | 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 1024 peers in tier

Top Strengths (2 metrics)

Members Per Employee (MPE)

engagement

Value: 500.125

Peer Median: 310.924

#59 of 1024 Top 5.7% in 100M-500M tier

179

Total Delinquency Rate (60+ days)

risk

Value: 0.29%

Peer Median: 0.71%

#179 of 1024 Top 17.4% in 100M-500M tier

Top Weaknesses (9 metrics)

1009

Total Deposits

balance_sheet

Value: $86.51M

Peer Median: $170.77M

#1009 of 1024 Bottom 1.6% in 100M-500M tier

1006

Total Assets

balance_sheet

Value: $102.66M

Peer Median: $196.38M

#1006 of 1024 Bottom 1.9% in 100M-500M tier

957

Fee Income Per Member

profitability

Value: $76.21

Peer Median: $159.88

#957 of 1024 Bottom 6.6% in 100M-500M tier

901

Deposit Growth Rate

growth

Value: -1.60%

Peer Median: 3.58%

#901 of 1024 Bottom 12.1% in 100M-500M tier

893

Total Loans

balance_sheet

Value: $63.48M

Peer Median: $124.04M

#893 of 1024 Bottom 12.9% in 100M-500M tier

874

Share Certificate Concentration (%)

balance_sheet

Value: 35.47%

Peer Median: 23.39%

#874 of 1024 Bottom 14.7% in 100M-500M tier

837

Total Members

engagement

Value: 8,002

Peer Median: 13,128

#837 of 1024 Bottom 18.4% in 100M-500M tier

814

First Mortgage Concentration (%)

balance_sheet

Value: 45.08%

Peer Median: 29.92%

#814 of 1024 Bottom 20.6% in 100M-500M tier

773

Average Member Relationship (AMR)

engagement

Value: $18,745

Peer Median: $23,006

#773 of 1024 Bottom 24.6% in 100M-500M tier