BlastPoint's Credit Union Scorecard

GLENDALE AREA SCHOOLS

Charter #97101 · CA

100M-500M
1070 CUs in 100M-500M nationally 62 in CA

GLENDALE AREA SCHOOLS has 4 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
  • + Average Member Relationship (AMR): Top 4.9% in tier
  • + Total Deposits: Top 8.1% in tier
  • + Total Assets: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Wealth Migration Risk: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - ROA 1.20% below tier average
  • - Delinquency rate 0.75% above tier average
  • - Net Charge-Off Rate: Bottom 0.3% in tier
  • - Net Interest Margin (NIM): Bottom 0.8% in tier
  • - Loan-to-Share Ratio: Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 11,575
+3.8% YoY-0.5% QoQ
 -3.6K 15,145
-2.5% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 42%
Assets $421.7M
-3.5% YoY-1.7% QoQ
 +$189.9M $231.7M
+0.8% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 Top 8.3% in tier
Loans $130.3M
-6.1% YoY+0.7% QoQ
 $-13.9M $144.1M
+0.2% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 55%
Deposits $364.1M
-1.5% YoY-0.5% QoQ
 +$162.9M $201.1M
+0.4% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 Top 8.2% 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 -0.5%
-42.6% YoY-70.5% QoQ
 -1.2% 0.7%
+5.1% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 Bottom 3.3% in tier
NIM 1.9%
+14.4% YoY+4.4% QoQ
 -1.8% 3.6%
+4.6% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 Bottom 0.7% in tier
Efficiency Ratio 72.0%
-2.4% YoY+0.4% QoQ
 -6.0% 78.0%
-1.7% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 29%
Delinquency Rate 1.5%
-39.7% YoY+1.8% QoQ
 +0.8 0.8%
+7.1% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 Bottom 10.6% in tier
Loan To Share 35.8%
-4.6% YoY+1.2% QoQ
 -34.6% 70.4%
-0.4% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 Bottom 3.2% in tier
AMR $42,710
-6.4% YoY+0.3% QoQ
 +$18K $24,918
+2.7% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 Top 5.0% in tier
CD Concentration 29.6%
+2.3% YoY+2.3% QoQ
 +5.4% 24.3% 21.6% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.0% 7.7% 50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#118 of 371 • 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): 3.85%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.02%
(Tier: 13.80%, National: 7.73%)
better than tier avg
371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally
→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Wealth Migration Risk

decline
#3 of 20 • Bottom 50.0% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature
Avg Member Relationship: $42.7K
(Tier: $25.5K, National: $19.9K)
but better than tier avg
AMR Growth (YoY): -6.39%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
20 of 1070 Mid-Small & Community CUs have this signature | 28 nationally
→ No prior data (20 CUs now) | New qualifier

Shrinking Wallet Share

decline
#47 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -6.39%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | New qualifier

Deposit Outflow

decline
#43 of 72 • 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): -1.55%
(Tier: 4.30%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 3.85%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally
→ No prior data (72 CUs now) | 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)

Comparing against 1070 peers in tier

Top Strengths (5 metrics)

53
Average Member Relationship (AMR)
engagement
Value: $42,710
Peer Median: $22,931
#53 of 1070 Top 4.9% in 100M-500M tier
88
Total Deposits
balance_sheet
Value: $364.07M
Peer Median: $171.29M
#88 of 1070 Top 8.1% in 100M-500M tier
89
Total Assets
balance_sheet
Value: $421.65M
Peer Median: $196.57M
#89 of 1070 Top 8.2% in 100M-500M tier
161
Member Growth Rate
growth
Value: 3.85%
Peer Median: -0.06%
#161 of 1070 Top 15.0% in 100M-500M tier
220
Members Per Employee (MPE)
engagement
Value: 399.138
Peer Median: 309.176
#220 of 1070 Top 20.5% in 100M-500M tier

Top Weaknesses (10 metrics)

1068
Net Charge-Off Rate
risk
Value: 3.25%
Peer Median: 0.35%
#1068 of 1070 Bottom 0.3% in 100M-500M tier
1062
Net Interest Margin (NIM)
profitability
Value: 1.87%
Peer Median: 3.62%
#1062 of 1070 Bottom 0.8% in 100M-500M tier
1036
Loan-to-Share Ratio
balance_sheet
Value: 35.79%
Peer Median: 71.88%
#1036 of 1070 Bottom 3.3% in 100M-500M tier
1035
Return on Assets (ROA)
profitability
Value: -0.47%
Peer Median: 0.69%
#1035 of 1070 Bottom 3.4% in 100M-500M tier
1027
AMR Growth Rate
growth
Value: -6.39%
Peer Median: 3.46%
#1027 of 1070 Bottom 4.1% in 100M-500M tier
1015
Asset Growth Rate
growth
Value: -3.50%
Peer Median: 3.91%
#1015 of 1070 Bottom 5.2% in 100M-500M tier
1012
Fee Income Per Member
profitability
Value: $64.12
Peer Median: $154.95
#1012 of 1070 Bottom 5.5% in 100M-500M tier
990
Loan Growth Rate
growth
Value: -6.07%
Peer Median: 2.93%
#990 of 1070 Bottom 7.6% in 100M-500M tier
958
Total Delinquency Rate (60+ days)
risk
Value: 1.53%
Peer Median: 0.61%
#958 of 1070 Bottom 10.6% in 100M-500M tier
939
Deposit Growth Rate
growth
Value: -1.55%
Peer Median: 3.30%
#939 of 1070 Bottom 12.3% in 100M-500M tier
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