BlastPoint's Credit Union Scorecard

ARROWHEAD

Charter #24973 · CA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 39 in CA

View Mid-Market leaderboard →

ARROWHEAD has 7 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.41% above tier average
+ Net Interest Margin 0.77% above tier average
+ Strong member growth: 5.5% YoY
+ Total Members: Top 0.1% in tier
+ Total Assets: Top 1.0% in tier
+ First Mortgage Concentration (%): Top 1.6% in tier
+ Total Deposits: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 11.3% in tier
- Margin Compression: Bottom 18.5% in tier
- Credit Quality Pressure: Bottom 21.1% in tier
- Credit Risk Growth: Bottom 72.4% in tier
- Shrinking Wallet Share: Bottom 78.7% in tier
- Delinquency rate 0.10% above tier average
- Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- Average Member Relationship (AMR): Bottom 2.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	232,781 +5.5% YoY+2.4% QoQ	+136.7K	96,048 -2.7% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	Top 0.3% in tier
Assets	$2.9B +12.1% YoY+4.0% QoQ	+$1.2B	$1.7B +0.4% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	Top 1.3% in tier
Loans	$1.4B +1.6% YoY+0.4% QoQ	+$216.5M	$1.2B +0.2% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	71%
Deposits	$2.4B +7.0% YoY+4.5% QoQ	+$939.4M	$1.5B +0.5% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	Top 3.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -26.0% YoY-16.4% QoQ	+0.4%	0.7% +27.6% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	83%
NIM	4.1% -7.9% YoY-6.6% QoQ	+0.8%	3.4% +6.2% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	Top 7.5% in tier
Efficiency Ratio	69.2% +5.4% YoY+3.3% QoQ	-5.4%	74.6% -3.0% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.9% +27.3% YoY-15.2% QoQ	+0.1	0.8% +6.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	72%
Loan To Share	59.5% -5.0% YoY-4.0% QoQ	-23.7%	83.2% -0.4% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	Bottom 8.2% in tier
AMR	$16,475 -0.5% YoY+0.6% QoQ	$-13K	$29,652 +2.3% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	Bottom 2.0% in tier
CD Concentration	20.8% +17.5% YoY+2.2% QoQ	-8.0%	28.8%	21.6%	19.8%	17%
Indirect Auto %	35.6% -1.3% YoY+0.2% QoQ	+17.5%	18.1%	9.0%	7.7%	85%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Margin Compression

decline

#3 of 24 • Bottom 18.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.53%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.40% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | New qualifier

Indirect Auto Dependency

risk

#30 of 198 • Bottom 11.3% in tier

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

Why This Signature

Asset Growth (YoY): 12.11%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 35.59%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.48%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Credit Quality Pressure

risk

#80 of 225 • Bottom 21.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.18% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#127 of 183 • Bottom 72.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.65%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.18% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Shrinking Wallet Share

decline

#82 of 82 • Bottom 78.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.51%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 232,781

Peer Median: 85,918

#1 of 306 Top 0.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.91B

Peer Median: $1.51B

#4 of 306 Top 1.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 9.62%

Peer Median: 33.05%

#6 of 306 Top 1.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.40B

Peer Median: $1.31B

#12 of 306 Top 3.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.12%

Peer Median: 3.37%

#23 of 306 Top 7.2% in 1B-3B tier

Asset Growth Rate

growth

Value: 12.11%

Peer Median: 4.82%

#32 of 306 Top 10.1% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.13%

Peer Median: 0.66%

#53 of 306 Top 17.0% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 439.209

Peer Median: 345.077

#53 of 306 Top 17.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.82%

Peer Median: 27.93%

#55 of 306 Top 17.6% in 1B-3B tier

Member Growth Rate

growth

Value: 5.48%

Peer Median: 2.03%

#56 of 306 Top 18.0% in 1B-3B tier

Top Weaknesses (6 metrics)

304

Loan-to-Member Ratio (LMR)

engagement

Value: $6,144

Peer Median: $12,733

#304 of 306 Bottom 1.0% in 1B-3B tier

300

Average Member Relationship (AMR)

engagement

Value: $16,475

Peer Median: $28,178

#300 of 306 Bottom 2.3% in 1B-3B tier

281

Loan-to-Share Ratio

balance_sheet

Value: 59.47%

Peer Median: 85.31%

#281 of 306 Bottom 8.5% in 1B-3B tier

280

Net Charge-Off Rate

risk

Value: 1.14%

Peer Median: 0.51%

#280 of 306 Bottom 8.8% in 1B-3B tier

262

Indirect Auto Concentration (%)

balance_sheet

Value: 35.59%

Peer Median: 13.86%

#262 of 306 Bottom 14.7% in 1B-3B tier

240

AMR Growth Rate

growth

Value: -0.51%

Peer Median: 3.15%

#240 of 306 Bottom 21.9% in 1B-3B tier