Federal credit union · GLENDALE, California · NCUA charter #97101
Glendale Area Schools
Health score 65/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $429.0M
- Total assets
- 11,637
- Members
- 13.1%
- Net-worth ratio
Glendale Area Schools scores 65/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $429.0M; members 11,637; net-worth ratio 13.13%; health rank #3,869 of 4,374; healthier than 11th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,869 of 4,374 health · 2025Q4Glendale Area Schools · health 65/100 · $429.0M · 2025Q4
- ASSETS 65/100
- MEM 13.1%
- RANK 1.50%
- PHOTO 0.04%
- BOOK $429.0M
- CHARTER 11,637
- NCUSIF #3,869/4,374
- CAMELS St. Cloud Financial
- HEALTH 97101
Call Report peers
Glendale Area Schools in the assets neighbourhood
Glendale Area Schools's $429.0M assets sit next to St. Cloud Financial ($430.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Glendale Area Schools vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
65 11th percentile higher than 11% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Glendale Area Schools - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #97101: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for Glendale Area Schools
- Largest favorable gap: Net Worth Ratio at 13.13% vs peer 12.11% (+1.02 pp).
- Loan-to-Share Ratio trails the peer set - 35.37% here, 72.20% peer average (-36.83 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
California standing for Glendale Area Schools
- In California, health place is #223 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #92 of 243 inside California ($429.0M reported).
- Member book place in California: #117 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Glendale Area Schools's 5300 filing moved
Glendale Area Schools: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -1.7% from $429.0M (2025Q4) to $421.7M (2026Q1).
- Net-worth ratio shifted -0.95 pp (14.08% → 13.13%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 13.13% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 65/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 65.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.2 pts
- Return on Assets 6.2 pts
- Member Growth 3.7 pts
- Loan-to-Share Ratio 8.9 pts
Call Report ratios for Glendale Area Schools
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.13% | +1.02 pp |
| Delinquency Rate | 1.50% | +0.61 pp |
| Return on Assets | 0.04% | -0.59 pp |
| Member Growth | -2.92% | - |
| Loan-to-Share Ratio | 35.37% | -36.83 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $421.7M | - |
| 2025Q4 | $429.0M | 11,637 |
| 2024Q4 | $429.0M | 11,987 |
| 2023Q4 | $438.3M | 11,990 |
Credit Union Details
- Charter Number
- 97101
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- GLENDALE
- Data Quarter
- 2025Q4
Branch Locations (2)
Glendale Area Schools operates 2 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| main office (Main Office) | GLENDALE, CA |
| GUSD Office | Glendale, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Glendale Area Schools's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($429.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (65/100 here).
Using this data
- Glendale Area Schools ranks #3,869 of 4,374 nationally on financial health and #223 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- AEROSPACE is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with AEROSPACE
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Glendale Area Schools financially healthy?
Glendale Area Schools has a financial health score of 65/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,869 of 4,374; by total assets it ranks #822 of 4,374 nationally (same basis as /rankings/largest); and #92 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.13% and delinquency rate of 1.50%.
How does Glendale Area Schools compare to other credit unions?
Five weighted metrics from NCUA filings produce Glendale Area Schools's 65/100 score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Glendale Area Schools?
Membership eligibility for Glendale Area Schools depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Glendale Area Schools directly for current membership requirements and application steps.
Is my money safe at Glendale Area Schools?
Federal credit unions like Glendale Area Schools are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Glendale Area Schools's net worth ratio of 13.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Glendale Area Schools offer compared to banks?
Credit unions like Glendale Area Schools are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Glendale Area Schools directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.