GLENDALE AREA SCHOOLS

Charter #97101 | CA

100M-500M (1077 CUs) Micro
63 100M-500M in CA

GLENDALE AREA SCHOOLS has 5 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 17.0% in tier
  • + Wallet Share Momentum: Top 34.1% in tier
  • + Average Member Relationship (AMR): Top 4.6% in tier
  • + Total Assets: Top 6.1% in tier
  • + Total Deposits: Top 6.9% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 3.9% in tier
  • - Institutional Decline: Bottom 7.4% in tier
  • - Membership Headwinds: Bottom 16.5% in tier
  • - Stagnation Risk: Bottom 25.0% in tier
  • - Credit Quality Pressure: Bottom 25.0% in tier
  • - ROA 2.02% below tier average
  • - Delinquency rate 0.84% above tier average
  • - Member decline: -2.5% YoY
  • - Net Charge-Off Rate: Bottom 0.1% in tier
  • - Net Interest Margin (NIM): Bottom 1.5% in tier
  • - Loan-to-Share Ratio: Bottom 3.0% in tier
  • - Fee Income Per Member: Bottom 4.0% in tier
  • - Loan Growth Rate: Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 11,751
-2.5% YoY-0.6% QoQ
 -3.9K 15,628
-3.4% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 40th in tier
Assets $433.9M
-0.2% YoY-0.6% QoQ
 +$202.6M $231.3M
-0.0% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 6.2% in tier
Loans $131.7M
-7.3% YoY-2.9% QoQ
 $-16.1M $147.8M
-1.4% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 54th in tier
Deposits $369.2M
+1.0% YoY-0.5% QoQ
 +$168.9M $200.3M
-0.0% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 7.0% in tier
ROA -1.2%
-1804.1% YoY+14.4% QoQ
 -2.0% 0.8%
+15.5% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Bottom 0.6% in tier
NIM 1.8%
+44.1% YoY+3.5% QoQ
 -1.8% 3.6%
+6.9% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Bottom 1.4% in tier
Efficiency Ratio 68.7%
-19.9% YoY-1.4% QoQ
 -8.6% 77.3%
-3.0% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 22.8% in tier
Delinquency Rate 1.7%
+2.6% YoY-26.8% QoQ
 +0.8 0.9%
+7.6% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 Top 10.8% in tier
Loan To Share 35.7%
-8.2% YoY-2.4% QoQ
 -37.0% 72.7%
-1.5% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 2.9% in tier
AMR $42,622
+1.3% YoY-0.6% QoQ
 +$18K $24,363
+2.9% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Top 4.7% in tier
CD Concentration 28.7%
-0.4% YoY-0.3% QoQ
 +4.3% 24.4%
+4.2% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-45.4% YoY-16.6% QoQ
 -13.9% 14.0%
-5.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#470 of 1006 • Top 17.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.26%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $5.4K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Wallet Share Momentum

growth
#940 of 1006 • Top 34.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.26%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Liquidity Overhang

risk
#61 of 552 • Bottom 3.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.59%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 35.66%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank worsening

Institutional Decline

decline
#59 of 256 • Bottom 7.4% in tier

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

Why This Signature
Total Assets: $433.93M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Member Growth (YoY): -2.52%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -7.27%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Membership Headwinds

decline
#273 of 550 • Bottom 16.5% in tier

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

Why This Signature
Member Growth (YoY): -2.52%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk
#412 of 550 • Bottom 25.0% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -1.23%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.52%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $42.6K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 28.69%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk
#620 of 736 • Bottom 25.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

51
Average Member Relationship (AMR)
engagement
Value: $42,622
Peer Avg: $24,363
#51 of 1077 Top 4.6% in 100M-500M tier
67
Total Assets
balance_sheet
Value: $433.93M
Peer Avg: $231.30M
#67 of 1077 Top 6.1% in 100M-500M tier
75
Total Deposits
balance_sheet
Value: $369.19M
Peer Avg: $200.29M
#75 of 1077 Top 6.9% in 100M-500M tier
189
Net Worth Ratio
risk
Value: 14.59%
Peer Avg: 12.15%
#189 of 1077 Top 17.5% in 100M-500M tier
199
Members Per Employee (MPE)
engagement
Value: 405.207
Peer Avg: 332.881
#199 of 1077 Top 18.4% in 100M-500M tier
247
Efficiency Ratio
profitability
Value: 68.67%
Peer Avg: 77.28%
#247 of 1077 Top 22.8% in 100M-500M tier

Top Weaknesses (9 metrics)

1077
Net Charge-Off Rate
risk
Value: 4.44%
Peer Avg: 0.47%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1071
Return on Assets (ROA)
profitability
Value: -1.23%
Peer Avg: 0.79%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1062
Net Interest Margin (NIM)
profitability
Value: 1.77%
Peer Avg: 3.58%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1046
Loan-to-Share Ratio
balance_sheet
Value: 35.66%
Peer Avg: 72.70%
#1046 of 1077 Bottom 3.0% in 100M-500M tier
1035
Fee Income Per Member
profitability
Value: $64.64
Peer Avg: $174.31
#1035 of 1077 Bottom 4.0% in 100M-500M tier
1004
Loan Growth Rate
growth
Value: -7.27%
Peer Avg: 3.45%
#1004 of 1077 Bottom 6.9% in 100M-500M tier
962
Total Delinquency Rate (60+ days)
risk
Value: 1.70%
Peer Avg: 0.86%
#962 of 1077 Bottom 10.8% in 100M-500M tier
885
Asset Growth Rate
growth
Value: -0.17%
Peer Avg: 4.70%
#885 of 1077 Bottom 17.9% in 100M-500M tier
847
Member Growth Rate
growth
Value: -2.52%
Peer Avg: 0.72%
#847 of 1077 Bottom 21.4% in 100M-500M tier