BlastPoint's Credit Union Scorecard
GLENDALE AREA SCHOOLS
Charter #97101 · CA
GLENDALE AREA SCHOOLS has 4 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 96.2% in tier
- + Average Member Relationship (AMR): Top 4.9% in tier
- + Total Assets: Top 6.7% in tier
- + Total Deposits: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 12.8% in tier
- - Institutional Decline: Bottom 20.1% in tier
- - Membership Headwinds: Bottom 46.5% in tier
- - ROA 2.36% below tier average
- - Delinquency rate 0.61% above tier average
- - Member decline: -2.9% YoY
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Net Interest Margin (NIM): Bottom 1.5% in tier
- - Loan-to-Share Ratio: Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 5.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,637
-2.9% YoY-1.0% QoQ
|
-3.8K |
15,437
-2.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$429.0M
-0.0% YoY-1.1% QoQ
|
+$197.1M |
$231.9M
+1.3% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 6.8% in tier |
| Loans |
$129.4M
-7.5% YoY-1.7% QoQ
|
$-17.9M |
$147.3M
-0.1% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$365.9M
+0.6% YoY-0.9% QoQ
|
+$165.1M |
$200.8M
+0.8% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 7.5% in tier |
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| ROA |
-1.6%
-4428.5% YoY+29.8% QoQ
|
-2.4% |
0.8%
+18.2% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 0.7% in tier |
| NIM |
1.8%
+36.9% YoY+1.6% QoQ
|
-1.8% |
3.6%
+6.7% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.4% in tier |
| Efficiency Ratio |
71.8%
-11.7% YoY+4.5% QoQ
|
-5.2% |
77.0%
-3.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.5%
-19.6% YoY-11.8% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.8% in tier |
| Loan To Share |
35.4%
-8.1% YoY-0.8% QoQ
|
-36.9% |
72.2%
-1.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.7% in tier |
| AMR |
$42,564
+1.3% YoY-0.1% QoQ
|
+$18K |
$24,676
+3.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.0% in tier |
| CD Concentration |
29.0%
+0.9% YoY+0.9% QoQ
|
+4.5% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-45.4% YoY-17.9% QoQ
|
-13.8% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)