PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Glendale Area Schools

Glendale, CA · Charter 97101

NCUA · 2 branches

Q2 2026

$422.1MAssets
$127.6MLoans
$364.4MShares
$55.3MNet Worth

Executive Summary

  • Earnings: ROA of -0.28%, up 80 bps year over year; NIM at 2.03%.
  • Asset quality: problem loans at 1.01% of loans (-132 bps YoY).
  • Capital: net worth / assets of 13.09%, down 178 bps from a year ago.
  • Funding: loans stand at 35.01% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

-0.28%+80 bps YoY

Net Interest Margin (YTD, annualized)

2.03%+33 bps YoY

Efficiency Ratio (YTD, annualized)

64.26%-536 bps YoY

Net Worth / Assets

13.09%-178 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.07%0.04%-0.81%-1.08%-1.23%-1.61%-0.47%-0.28%+80 bps
Return on Equity0.47%0.24%-5.34%-7.23%-8.46%-11.40%-3.58%-2.12%+511 bps
Net Interest Margin1.23%1.32%1.62%1.71%1.77%1.81%1.87%2.03%+33 bps
Efficiency Ratio85.71%81.32%73.83%69.63%68.67%71.79%72.04%64.26%-536 bps
Growth
Asset Growth (YoY)-6.08%-2.13%0.01%-0.17%-0.17%0.00%-3.50%-3.35%-317 bps
Loan Growth (YoY)2.27%-4.53%-5.40%-6.43%-7.27%-7.50%-6.07%-5.91%+52 bps
Share Growth (YoY)-1.88%-2.43%-0.72%-0.55%1.03%0.61%-1.55%-1.77%-122 bps
Asset Quality
Delinquent Loans / Loans1.66%1.87%2.53%2.33%1.70%1.50%1.53%1.01%-132 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital15.50%15.69%15.20%14.87%14.59%14.08%13.13%13.09%-178 bps
Net Worth / Assets15.50%15.69%15.20%14.87%14.59%14.08%13.13%13.09%-178 bps
Liquidity & Funding
Loans / Shares38.85%38.47%37.51%36.55%35.66%35.37%35.79%35.01%-154 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps