Credit Union Safety Analysis
Is Glendale Area Schools Credit Union Safe? Glendale, California
Based on its Q2 2026 NCUA 5300 call report, Glendale Area Schools Credit Union has a net worth ratio of 13.09%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.01%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Glendale Area Schools Credit Union's net worth ratio is 13.09%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 13.09%
- Delinquency ratio (60+ days) (Q2 2026): 1.01%
- Return on assets (Q2 2026): -0.09%
- Loan-to-share ratio (Q2 2026): 35.01%
Glendale Area Schools Credit Union (NCUA charter 97101, established 1937) reported $422.1M in assets and 11,492 members for Q2 2026 from Glendale, California. It ranks 93 of 238 credit unions in California by total assets. Total assets fell 3.3% from $436.7M on June 30, 2025. It has 327 fewer members than on June 30, 2025 (-2.8%). Its net worth ratio was down 1.78 percentage points from 14.87% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $37.9M of $127.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.01% is above the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 1,341 credit unions with $100M to $1B in assets: 11.43%; middle half of peers: 9.81% to 13.58%.
Earlier filings: 13.13% for Q1 2026; 14.87% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.68%; middle half of peers: 0.39% to 1.12%.
Earlier filings: 1.53% for Q1 2026; 2.33% for Q2 2025.
Median of the 1,338 credit unions with $100M to $1B in assets: 0.81%; middle half of peers: 0.43% to 1.23%.
Earlier filings: -0.47% for Q1 2026; -1.34% for Q2 2025.
Median of the 1,341 credit unions with $100M to $1B in assets: 75.66%; middle half of peers: 62.05% to 86.41%.
Earlier filings: 35.79% for Q1 2026; 36.55% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $37.9M
- Other secured non-real estate loans and lines of credit: $34.4M
- Commercial loans: $25.1M
- Non-federally guaranteed student loans: $12.3M
- Used vehicle loans: $7.4M
- Unsecured credit card loans: $4.5M
- Other unsecured loans and lines of credit: $3.2M
- New vehicle loans: $2.7M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $422.1M | 13.09% | 1.01% | -0.09% | 35.01% |
| March 31, 2026 | $421.7M | 13.13% | 1.53% | -0.47% | 35.79% |
| December 31, 2025 | $429.0M | 14.08% | 1.50% | -2.68% | 35.37% |
| September 30, 2025 | $433.9M | 14.59% | 1.70% | -1.54% | 35.66% |
| June 30, 2025 | $436.7M | 14.87% | 2.33% | -1.34% | 36.55% |
| March 31, 2025 | $436.9M | 15.20% | 2.53% | -0.81% | 37.51% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Glendale Area Schools Credit Union profile
Regulator records: NCUA credit union profile (charter 97101) · FFIEC NIC profile (RSSD 172279)
Frequently asked questions
Is Glendale Area Schools Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Glendale Area Schools Credit Union's net worth ratio is 13.09%, above the 7% NCUA threshold for well capitalized.
Is Glendale Area Schools Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Glendale Area Schools Credit Union is a federally insured credit union (NCUA charter 97101): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Glendale Area Schools Credit Union's key safety ratios?
For Q2 2026, Glendale Area Schools Credit Union reports net worth 13.09%, delinquency 1.01%, ROA -0.09%, loan-to-share 35.01%.
What happens to my money if Glendale Area Schools Credit Union fails?
For Q2 2026, Glendale Area Schools Credit Union held $364.4M in shares and deposits for 11,492 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.