BlastPoint's Credit Union Scorecard
GLENDALE AREA SCHOOLS
Charter #97101 · CA
GLENDALE AREA SCHOOLS has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 96.5% 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
- - 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
|
40% |
| 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
|
54% |
| 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 |
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| 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
|
23% |
| 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
|
50% |
| Indirect Auto % |
0.0%
-45.4% YoY-16.6% QoQ
|
-13.9% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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 (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)