Federal credit union · GLENDALE, California · NCUA charter #97101
Glendale Area Schools
Health score 65/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 65
- Health / 100
- $429.0M
- Total assets
- 11,637
- Members
- 11.3%
- Net-worth ratio
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.
Glendale Area Schools - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)65
- Earnings (ROA)41
- Member growth25
- Liquidity (loan-to-share)61
Weighted composite: 65/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 11.28% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.28% | 30% |
| Delinquency Rate | 1.50% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -2.92% | 15% |
| Loan-to-Share Ratio | 35.37% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Glendale Area Schools
Charter #97101, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Glendale Area Schools, a federal credit union in GLENDALE, California with 11,637 members, $429.0M in total assets, and $129.4M in outstanding loans as of Q4 2025. The five-factor composite scores it 65/100 (Good), helped by a net worth ratio of 11.28% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
1.50% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running looser than peers. Deposit deployment is captured by the 35.37% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.04% on net income of $159K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.92%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 11.28% 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 11.28% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.