ARROWHEAD

Charter #24973 | CA

1B-3B (304 CUs) Mid-Market (380 CUs)
40 1B-3B in CA

ARROWHEAD has 6 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.71% above tier average
  • + Net Interest Margin 1.32% above tier average
  • + Total Members: Top 0.3% in tier
  • + First Mortgage Concentration (%): Top 0.7% in tier
  • + Total Assets: Top 8.6% in tier
  • + Total Deposits: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 10.4% in tier
  • - Member Growth Rate: Bottom 0.0% in tier
  • - Asset Growth Rate: Bottom 0.0% in tier
  • - Loan Growth Rate: Bottom 0.0% in tier
  • - Deposit Growth Rate: Bottom 0.0% in tier
  • - AMR Growth Rate: Bottom 0.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 1.3% in tier
  • - Average Member Relationship (AMR): Bottom 2.6% in tier
  • - Net Charge-Off Rate: Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 226,646
+1.8% QoQ
 +128.0K 98,678
-1.9% YoY
 59,606
+5.7% YoY
 33,089
+6.1% YoY
 Top 0.7% in tier
Assets $2.6B
+2.5% QoQ
 +$928.9M $1.7B
+0.5% YoY
 $1.2B
+6.2% YoY
 $547.7M
+7.8% YoY
 Top 8.9% in tier
Loans $1.4B
-0.2% QoQ
 +$186.2M $1.2B
+0.5% YoY
 $845.5M
+7.1% YoY
 $388.7M
+8.6% YoY
 68th in tier
Deposits $2.3B
+1.1% QoQ
 +$812.2M $1.5B
+1.3% YoY
 $1.0B
+8.8% YoY
 $464.6M
+9.3% YoY
 Top 8.9% in tier
ROA 1.4%
-0.9% QoQ
 +0.7% 0.7%
+13.4% YoY
 0.6%
+30.0% YoY
 0.7%
+273.4% YoY
 Top 8.2% in tier
NIM 4.6%
-0.1% QoQ
 +1.3% 3.3%
+9.3% YoY
 3.3%
+6.5% YoY
 3.7%
+5.0% YoY
 Top 3.0% in tier
Efficiency Ratio 66.8%
+0.8% QoQ
 -7.2% 74.0%
-10.9% YoY
 79.3%
-6.2% YoY
 79.1%
-3.3% YoY
 Bottom 22.0% in tier
Delinquency Rate 0.8%
+17.5% QoQ
 -0.0 0.8%
+6.1% YoY
 0.7%
-38.7% YoY
 1.2%
-0.9% YoY
 59th in tier
Loan To Share 62.6%
-1.3% QoQ
 -22.6% 85.2%
-0.8% YoY
 68.8%
-1.5% YoY
 68.0%
-1.7% YoY
 Bottom 10.2% in tier
AMR $16,262
-1.3% QoQ
 $-13K $29,172
+2.8% YoY
 $28,514
+2.8% YoY
 $19,418
+1.3% YoY
 Bottom 2.3% in tier
CD Concentration 20.1%
+5.1% QoQ
 -8.9% 29.0%
+0.8% YoY
 21.7%
+4.2% YoY
 19.6%
+6.2% YoY
 Bottom 14.5% in tier
Indirect Auto % 36.4%
+0.1% QoQ
 +17.6% 18.8%
-2.8% YoY
 9.5%
-6.9% YoY
 7.9%
-2.9% YoY
 Top 15.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk
#65 of 202 • Bottom 10.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -
(Tier: 5.36%, National: 3.04%)
Indirect Auto %: 36.41%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): -
(Tier: 3.18%, National: 9.37%)
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 304 peers in tier

Top Strengths (9 metrics)

2
Total Members
engagement
Value: 226,646
Peer Avg: 98,678
#2 of 304 Top 0.3% in 1B-3B tier
3
First Mortgage Concentration (%)
balance_sheet
Value: 8.38%
Peer Avg: 34.01%
#3 of 304 Top 0.7% in 1B-3B tier
9
Net Interest Margin (NIM)
profitability
Value: 4.58%
Peer Avg: 3.26%
#9 of 304 Top 2.6% in 1B-3B tier
25
Return on Assets (ROA)
profitability
Value: 1.41%
Peer Avg: 0.70%
#25 of 304 Top 7.9% in 1B-3B tier
27
Total Assets
balance_sheet
Value: $2.65B
Peer Avg: $1.72B
#27 of 304 Top 8.6% in 1B-3B tier
27
Total Deposits
balance_sheet
Value: $2.27B
Peer Avg: $1.45B
#27 of 304 Top 8.6% in 1B-3B tier
48
Share Certificate Concentration (%)
balance_sheet
Value: 20.13%
Peer Avg: 28.53%
#48 of 304 Top 15.5% in 1B-3B tier
52
Members Per Employee (MPE)
engagement
Value: 436.697
Peer Avg: 364.953
#52 of 304 Top 16.8% in 1B-3B tier
68
Efficiency Ratio
profitability
Value: 66.77%
Peer Avg: 73.97%
#68 of 304 Top 22.0% in 1B-3B tier

Top Weaknesses (10 metrics)

304
Member Growth Rate
growth
Value: -
Peer Avg: 2.20%
#304 of 304 Bottom 0.0% in 1B-3B tier
304
Asset Growth Rate
growth
Value: -
Peer Avg: 4.83%
#304 of 304 Bottom 0.0% in 1B-3B tier
304
Loan Growth Rate
growth
Value: -
Peer Avg: 5.27%
#304 of 304 Bottom 0.0% in 1B-3B tier
304
Deposit Growth Rate
growth
Value: -
Peer Avg: 5.58%
#304 of 304 Bottom 0.0% in 1B-3B tier
304
AMR Growth Rate
growth
Value: -
Peer Avg: 3.29%
#304 of 304 Bottom 0.0% in 1B-3B tier
301
Loan-to-Member Ratio (LMR)
engagement
Value: $6,262
Peer Avg: $13,213
#301 of 304 Bottom 1.3% in 1B-3B tier
297
Average Member Relationship (AMR)
engagement
Value: $16,262
Peer Avg: $29,172
#297 of 304 Bottom 2.6% in 1B-3B tier
278
Net Charge-Off Rate
risk
Value: 1.17%
Peer Avg: 0.60%
#278 of 304 Bottom 8.9% in 1B-3B tier
273
Loan-to-Share Ratio
balance_sheet
Value: 62.62%
Peer Avg: 85.19%
#273 of 304 Bottom 10.5% in 1B-3B tier
260
Indirect Auto Concentration (%)
balance_sheet
Value: 36.41%
Peer Avg: 18.32%
#260 of 304 Bottom 14.8% in 1B-3B tier