# GLENDALE
Glendale, CA · NCUA charter 7557 · asset band $100-200M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/glendale-7557

Who the members are: federal charter, multiple common bond, organized 1951. 8,044 members of 10,000 potential (80.4% of the field); checking penetration 44% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $102.4M |
| Members | 8,044 (-0.4% YoY) |
| Full-time staff | 14 |
| Net worth | $12.7M |
| Net worth ratio | 12.4% (p59 of band) |
| ROA (annualized) | 0.50% (p37 of band) |
| Total delinquency | 1.33% (p83 of band) |
| Net charge-offs (annualized) | 0.50% (p67 of band) |
| Loans / shares | 68% (p46 of band) |
| Cash / assets | 23.9% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.66% (p48 of band) |
| Operating expense / assets | 3.30% (p37 of band) |
| Vehicles % of loans | 32% (p43 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 19% |
| Third-party paper % of net worth | 114% (p72 of band) |
| Vehicle delinquency | 0.19% (p20 of band) |
| Vehicle NCO | 0.79% (p66 of band) |
| Repossessed % of vehicle book | 0.00% (p32 of band) |
| Real estate % of loans | 57% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 35% |
| Average share balance | $7,544 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $20,358 |
| Loans granted, annualized | $35.6M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | net worth falling |  |
| 2017-03 | 2 | delinquency rising |  |
| 2017-06 | 2 | repo signal | net worth falling |
| 2017-09 | 2 | charge-offs p90 | repo signal |
| 2017-12 | 1 |  | charge-offs p90 |
| 2018-03 | 1 | 3rd-party paper>100% NW | delinquency rising |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | assets shrinking |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 4 | net worth falling, margin squeeze, leaning on borrowings | assets shrinking, delinquency rising |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 | delinquency rising | net worth falling |
| 2021-03 | 4 | losing money | delinquency rising |
| 2021-06 | 4 | delinquency 2x band, delinquency rising | margin squeeze, leaning on borrowings |
| 2021-09 | 4 |  |  |
| 2021-12 | 3 | net worth falling | delinquency 2x band, delinquency rising |
| 2022-03 | 4 | delinquency rising |  |
| 2022-06 | 3 | leaning on borrowings | losing money, delinquency rising |
| 2022-09 | 4 | repo signal |  |
| 2022-12 | 3 |  | net worth falling |
| 2023-03 | 2 |  | repo signal |
| 2023-06 | 2 |  |  |
| 2023-09 | 3 | assets shrinking |  |
| 2023-12 | 4 | members leaving |  |
| 2024-03 | 4 | delinquency rising | members leaving |
| 2024-06 | 4 |  |  |
| 2024-09 | 3 |  | delinquency rising |
| 2024-12 | 2 |  | leaning on borrowings |
| 2025-03 | 1 |  | assets shrinking |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | 3rd-party paper>100% NW |
| 2025-12 | 1 | delinquency rising |  |
| 2026-03 | 3 | delinquency 2x band, 3rd-party paper>100% NW |  |

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

- 2026-07-29 [America First Credit Union Expands Arizona Presence with New Glendale Branch - PR Newswire](https://news.google.com/rss/articles/CBMizAFBVV95cUxPWG9MQU4xa281UlRvNzF2Ym4xczBYaVZqTXBwakZ2OFRSTm11ejVMWXlqZEx2a3pfa1hFdkEyVDRvZGdKSFpaT3ROWWpZNGZfb2QzNmQ3RmRQb1JFOTJyNTNLYmFQUzMtS2lhakdFYTBxVjRBakJnMHpza3NTTHJGMWF4NWZ3Y2lfMTY2Q3JZYzhWX0JaYkR4N0lDYkdIS2lLOU1qeVU4Wm1ual9wbEZsSklNUDRwXzlmNG1aMElXdUF5Rm1uNGQ5aDd1Uk8?oc=5) · PR Newswire
- 2026-08-10 [California Credit Union Foundation Invites Southern California Teachers to Apply for Fall Project Grants - Eastern Progress](https://news.google.com/rss/articles/CBMilAJBVV95cUxOZjBFaUd1Qlg3bE1fMFRwWHpYWmxRTjdYdGhibG9VaFRGM1lLaVY2eFIwQTF1ZXNCV3FZbHZ2VHJsTmJwbVFhbnMwWGQ5R0cwYnZkUTVjejZ4aFpURmJTS0IwTEtYMjZUbmdxb2hyUUVvMzB5c0k1YW8tSnJoV3B1UDB0RHhXTk5peFJKQzZoXy02OEY3SHo0N3VrZHVlRjdDSUJvQkRCRkYzTHpYQm1rUXZaWGxsb0psVDF3UHJHUjV3TEcwWklEZUlWOUY5NVlrQWtpbGhraHdVdVlNMHJnSGtoaTlVcGxJeXpEOU9hTUxEVHhndlFGTDBCTW1yWVNJWlczOGhLbkUwQTd0Z2tGTUpTR1o?oc=5) · Eastern Progress
- 2025-12-08 [Marquis Software Solutions Under Investigation for Data Breach of Over 780,000 Financial Records - Schubert Jonckheer & Kolbe](https://news.google.com/rss/articles/CBMickFVX3lxTE1vZVQ4bU5jSFVZOGJmZmVqbDJWLXBOcHcxWUZISVE3djVZZVM4ZHFaRTdFTk9vMGptMU5fY2NjMmNRRlRSX1BHVEJ6VjdDeHlSNEZIeTNYU2VoYVRaaDZqT2otMUJvaEROYWx3OWdlQmdIZw?oc=5) · Schubert Jonckheer & Kolbe
- 2026-06-30 [Back-to-School Supply Drive Begins in Southland - KFI AM 640](https://news.google.com/rss/articles/CBMimwFBVV95cUxNTTZiZ3ZKN1lWY0NTdWZWLWFCNUFwVENMZEVoMnd4NFRhMjZpd2VKb0RnM0hmX3BkS2JlWHdGaGcxU1JMd3c3enJpZmxhd1c0UTBvdkktVW5CR21GZ1AwX3AwSlhhQVJ5OVYzeEFINTZRMkZxY3RVdnFDSUJpSWFZV09NTHNSaWNDTjBRXzRpNGJJUGozdUFHZEp0NNIBowFBVV95cUxNUWRyLVlVRlpVZVhmNGFqVThJLTNvSkVzZENFZ18xSWFZNUQ2SlhNU01WRjYwVmlBNHJuREU4ZnkwYlZrdG0zS3BFTjR5d0VuanZla194VlI0R3dDYldyMEJsalIyZ3JlOE5ic3lIS3o3RFBBNzhCZ09jd0cyMmdiZ3JmUkJTeEd0Q2V2dE1qTi05d05zb3dhRk5qZDlxU1FJMmE4?oc=5) · KFI AM 640
- 2026-08-06 [California Credit Union Delivers Back-to-School Supplies to Local Students - PR Newswire](https://news.google.com/rss/articles/CBMiygFBVV95cUxPb3NzYjY2YUdpcDAyXzZmRUlnNE1XMmEtX3IyZjVQS1RxSXltUXRJcUlhRWZoMEVSWmFVR1BncFhsRHd3VnJmeEVKSGdEQnVfaVh6V0VpdTRMODktWW1XNm1NSC1qX2VkTi1PRzNSbFdjbTVlUjlCSEVQTUJjRkJ0UlZEY0l4NElmeWE2XzRBQnRoUkk2dlBoc0NleHFvUFdoR1VoaWJ6cUJnZjNpYlU3UnRGWUNXbms1LXFkd1E2WUxOZFItT2JHcGtB?oc=5) · PR Newswire
- 2023-07-24 [California Credit Union to Expand - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMijwFBVV95cUxQYjVCcW9kMXFDRjRGUzNuQ29LUTd3bUM3N3U5TUtZNHdPd3VYaGtxWHpvMmhHSGhfXzhXNE9jVGZnUktPcS1zRWNsVFBCSktfTlU3RTRrZHpoa1k5SnhnMnM2M2txaGVLWGpGRGl1NmxQRXpMa1JfVjFhOXR1bDJXZUxXRHRTRWdBLVpmbjFJQQ?oc=5) · Los Angeles Business Journal
- 2025-12-03 [Marquis data breach impacts over 74 US banks, credit unions - BleepingComputer](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN25wV2ZwYk9ESjhEMGdsY1N4dXdSV2FBTUo2R21EX0JoODBvWlhTcVJ3TmtDdW5veDVucFZwS0V2M0Z5VGJsLVQ3MDJWQUpISFgtb1p6aWI0ZnE2MVdjTU8xXzZuclIwQ3ZGRVBCYl9jWXJjeURoNW9UM2hHay1uOElZSENqalFVWndUYV9xUjRnQ284QkpDSnJZNENHOHRfMnhDSnlSbXRzQdIBrwFBVV95cUxPNWZVaVhpYWZHQmVuT1ZWMUt1eTN6VjE1YnE5VC1wWWo0UE4xUG1BSmduNnBZckhtZE5ZTUFkQjdXa3dQS21JMHlIc015cEhsdkVfRzRsSU9YN3owcWFOcWNQQWJTcmxLcjJlYnRUYkd5UFBVclVVODdhVGQ0RTZVZjJDZlpiUWNQWjllcDBVcFQ0WW9qQ1dNNVY2TDNDeS11cU0xN2lNNHdnSG5mckE0?oc=5) · BleepingComputer
- 2025-06-02 [Boost your savings with a 4.30% APY* share certificate at LAFCU - CUInsight](https://news.google.com/rss/articles/CBMipAFBVV95cUxNUklzWE05MGtoVk1RNFhCcnZNUDMybzNDVlBkWnNKRmx5QlFtSTVTSEJOdW84XzNHbzllZmdJWF9WR2gwbkU2SDJ4bDRLMklJS0phRmtvQWlIRU9aakhRS0Z4UGFQeXlXa1o2Yl9qU1B0VUhmamQ2RVJtOEdSUnA2cGQzakU2ZENKWmZIamhnbXo5Q19uZTlBQi1odGsyd1lONk4zNA?oc=5) · CUInsight

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=7557 (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/5.json (key "7557", 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=7557
- 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