# GLENDALE AREA SCHOOLS
GLENDALE, CA · NCUA charter 2170 · asset band $200-500M · latest filing 2016-03 · stopped filing after 2016-03 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/glendale-area-schools-2170

Who the members are: federal charter, multiple common bond, organized 1937. 11,541 members of 18,000 potential (64.1% of the field); checking penetration 63% (share draft accounts per 100 members); loans per 100 members 54.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $355.1M |
| Members | 11,541 (– YoY) |
| Full-time staff | 21 |
| Net worth | $45.4M |
| Net worth ratio | 12.8% (p81 of band) |
| ROA (annualized) | 0.87% (p83 of band) |
| Total delinquency | 0.18% (p9 of band) |
| Net charge-offs (annualized) | 0.14% (p19 of band) |
| Loans / shares | 23% (p1 of band) |
| Cash / assets | 40.3% |
| Borrowings / assets | 0.00% |
| Net interest margin | 1.59% (p2 of band) |
| Operating expense / assets | 0.95% (p0 of band) |
| Vehicles % of loans | 53% (p83 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 75% |
| Third-party paper % of net worth | 62% (p48 of band) |
| Vehicle delinquency | 0.15% (p18 of band) |
| Vehicle NCO | 0.05% (p14 of band) |
| Repossessed % of vehicle book | 0.00% (p22 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 8% |
| Unsecured % of loans | 12% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 41% |
| Certificates % of member funds | 32% |
| Average share balance | $12,282 |
| Participations bought / yr | $27.9M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 54% |
| Loans granted per 100 members, annualized | 20% |
| Average loan balance | $11,355 |
| Loans granted, annualized | $41.8M |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2022-09-15 [Local Credit Union Hosts ‘Charlie Bubbles’ Author - Crescenta Valley Weekly](https://news.google.com/rss/articles/CBMipAFBVV95cUxOeG1ZMzBHVWZ0WnVVcXNhdU5Qejh6RHo5dU5DMFoxMXFybWZHYXVxVno4Y2hTeHZsbW5Ic2pwSWZHVTJ1aENNYlgzbzJuLWZTaW5HRzRtM0hEVC1udXU4Tzh1ZHpzbUZLbkkzTUdLaUs3cy00ZDNrcGJONzhxcmd4V0QwbW9hbm5vUU4tUVZxdTNiRVBPLXhqRnZKVFRBcUtRa2tHVQ?oc=5) · Crescenta Valley Weekly
- 2019-05-02 [Taxi Loans Sting Credit Unions - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihAFBVV95cUxOVWs5RDU4NkJTQ19MNWxFU05zWjRLN3NQSV9Nd3FWRGRqYkFoeThOUF9tX1h6OC11NWEzbFNLQldpY3RqaUczSmxiaE5PalRNVWZqZmVFS3Z2SDlsbmJza19tZTN1Y2tkT09abjlTWVc1Slh1a1JkMjhHN1lwb1M5ZzQ3VzE?oc=5) · Los Angeles Business Journal
- 2021-11-11 [Hard Work Evidenced in Halloween Display Winners - Crescenta Valley Weekly](https://news.google.com/rss/articles/CBMitAFBVV95cUxPcy0tS1VsOUZoeDBYb1NvdzBZZmx2a2dOSXlQeG5ocjJOTDdqcWJPNGRkZEVmZFNrT05ablhHcVNzZThGaERORUlPZUhHZWQ1VkJsMi1FZmg0V1NLck13bFdfTGh6VXh6WGRxSHJJSTVrbE5DYm1ZZFFXUEdkcmVYZzNWMGlrdXRxVHJfME5xc0NRbzRyUWlLRjdjOGhJM0F2ZkVOdUtndnZjYzdyRXpfMlp2cnk?oc=5) · Crescenta Valley Weekly
- 2015-04-28 [Les Tupper winners named - Los Angeles Times](https://news.google.com/rss/articles/CBMirAFBVV95cUxOeERlMzFRVkFaWFZjaGZYVlpreThaV2pPYU50Zkl4ZktsOGROQWFWbFE1RWxKSnZKLVNSUDVWY2hsTHpVZUtzQXRKUnE0cVZyMk55a1ZRLXkzMzQ1c1F5M0ROOXk4Nmc4UlgtMUhNQzFDcDNzTll5U2R0VVZBYWk5UUNERG9zMlZzRFBnTzhVbEZzbHBTUVJtWHo3S1F2cVV1ZGVVVDJpWmlOaXg1?oc=5) · Los Angeles Times
- 2022-02-03 [NEWS FROM THE MONTROSE-VERDUGO CITY CHAMBER - Crescenta Valley Weekly](https://news.google.com/rss/articles/CBMipAFBVV95cUxPNVZzcTNSU2M2MTFTSnRVMmRlaTFvcGR3cGFfUWhadlJkZ0lUS1ZrN2hFUEpRSUhXNTExZHBRWEFqWHhQakZ1Q1Vac253WGQwRkE4c21IM2t2a3RuNk9EbC1uaVRyMlU4WGZ2andPNmpOZ2kyb2xjZnBBVTJIYmN5THIxUlJyRnJUSXhtY1dwNER6YTdiZDc1ZlNWdkVnbm9Ua0k2WA?oc=5) · Crescenta Valley Weekly
- 2024-07-11 [NEWS FROM THE MVCC - Crescenta Valley Weekly](https://news.google.com/rss/articles/CBMigwFBVV95cUxQLWdmVE8td2dYWUY0T2Jkam9IWEphREFzU1YwU09hQk9mLS12WVBYLVM3cnlMNkktWDNldEhDTG96bTB6VlpmdVROcHBUNkJaT01DeFM4aXlZYnlxOG1vbkwyWWlGbVB3Y3VfVE43QzZZdGd6ejFEVnk5dFpEdEFrNWRHWQ?oc=5) · Crescenta Valley Weekly
- 2020-02-07 [»MONTROSE-VERDUGO CITY Chamber of Commerce - Crescenta Valley Weekly](https://news.google.com/rss/articles/CBMiowFBVV95cUxNWnFzbjN3OXFPQW1lOGNIdjNqVnJBVHRyazgzV251TjBxbnkybHZqcENYemtIMzE5ckhXbnZPQmNPQzg3cmY4NUxDXzRjWjRFWEs3SGJHZEFub1VrR2F6YlQtamZQU3JlcXlCUWNKLW9LNW80QjFMbVBkSFpINnNsWkpSN1MwaGQya3NmQVFxQkYxaGpPYUFlU3YxSVNjSFczOXFZ?oc=5) · Crescenta Valley Weekly

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=2170 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/58.json (key "2170", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=2170
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide