BlastPoint's Credit Union Scorecard

ARROWHEAD

Charter #24973 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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ARROWHEAD has 8 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 0.05% above tier average
+ Net Interest Margin 0.72% above tier average
+ Strong member growth: 6.5% YoY
+ Total Members: Top 0.1% in tier
+ Total Assets: Top 1.0% in tier
+ First Mortgage Concentration (%): Top 1.7% in tier
+ Total Deposits: Top 3.0% in tier
+ Asset Growth Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 9.7% in tier
- Credit Quality Pressure: Bottom 18.5% in tier
- Margin Compression: Bottom 42.7% in tier
- Credit Risk Growth: Bottom 75.0% in tier
- Shrinking Wallet Share: Bottom 83.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 1.0% in tier
- Average Member Relationship (AMR): Bottom 2.0% in tier
- Net Charge-Off Rate: Bottom 5.3% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +8.0% year over year ($2.42B in shares and deposits).
Membership: 237,006 members, +6.5% vs a year ago.
Delinquency rate 0.90%.
Return on assets 0.87%.
Efficiency ratio 70.76% vs a 73.02% peer average.
Loan-to-share ratio 59.80% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	237,006 +6.5% YoY+1.8% QoQ	+140.1K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	Top 0.3% in tier
Assets	$2.9B +13.3% YoY+0.7% QoQ	+$1.2B	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	Top 1.3% in tier
Loans	$1.4B +1.8% YoY+1.3% QoQ	+$214.1M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	71%
Deposits	$2.4B +8.0% YoY+0.7% QoQ	+$958.5M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	Top 3.3% 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	0.9% -38.9% YoY-22.9% QoQ	+0.1%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	60%
NIM	4.1% -9.7% YoY+0.5% QoQ	+0.7%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Top 7.7% in tier
Efficiency Ratio	70.8% +6.8% YoY+2.2% QoQ	-2.3%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	38%
Delinquency Rate	0.9% +35.4% YoY+5.2% QoQ	+0.0	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	66%
Loan To Share	59.8% -5.7% YoY+0.6% QoQ	-24.9%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	Bottom 8.3% in tier
AMR	$16,329 -0.8% YoY-0.9% QoQ	$-13K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Bottom 1.7% in tier
CD Concentration	21.3% +11.4% YoY+2.5% QoQ	-7.7%	29.1%	22.2%	20.0%	16%
Indirect Auto %	35.0% -3.8% YoY-1.7% QoQ	+16.9%	18.1%	9.2%	7.7%	84%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#37 of 193 • Bottom 9.7% in tier

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

Why This Signature

Asset Growth (YoY): 13.27%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.99%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.50%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank improving

Margin Compression

decline

#6 of 20 • Bottom 42.7% 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: 0.87%

(Tier: 0.84%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.43%

(Tier: 0.66%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.55% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

20 of 377 Mid-Market CUs have this signature | 167 nationally

→ Stable (22→20 CUs) -2 CUs YoY | New qualifier

Credit Quality Pressure

risk

#69 of 215 • Bottom 18.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Credit Risk Growth

risk

#114 of 170 • Bottom 75.0% in tier

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

Why This Signature

Loan Growth (YoY): 1.83%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.23% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#64 of 69 • Bottom 83.1% in tier

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

Why This Signature

AMR Growth (YoY): -0.85%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 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 300 peers in tier

Top Strengths (10 metrics)

Total Members

engagement

Value: 237,006

Peer Median: 86,516

#1 of 300 Top 0.1% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.93B

Peer Median: $1.51B

#4 of 300 Top 1.0% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 10.37%

Peer Median: 33.59%

#6 of 300 Top 1.7% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.42B

Peer Median: $1.30B

#10 of 300 Top 3.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: 3.46%

#23 of 300 Top 7.3% in 1B-3B tier

Asset Growth Rate

growth

Value: 13.27%

Peer Median: 5.21%

#25 of 300 Top 8.0% in 1B-3B tier

Member Growth Rate

growth

Value: 6.50%

Peer Median: 1.84%

#38 of 300 Top 12.3% in 1B-3B tier

Members Per Employee (MPE)

engagement

Value: 436.475

Peer Median: 346.173

#49 of 300 Top 16.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.34%

Peer Median: 28.24%

#54 of 300 Top 17.7% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.98%

Peer Median: 4.79%

#74 of 300 Top 24.3% in 1B-3B tier

Top Weaknesses (6 metrics)

298

Loan-to-Member Ratio (LMR)

engagement

Value: $6,111

Peer Median: $12,809

#298 of 300 Bottom 1.0% in 1B-3B tier

295

Average Member Relationship (AMR)

engagement

Value: $16,329

Peer Median: $28,089

#295 of 300 Bottom 2.0% in 1B-3B tier

285

Net Charge-Off Rate

risk

Value: 1.34%

Peer Median: 0.52%

#285 of 300 Bottom 5.3% in 1B-3B tier

275

Loan-to-Share Ratio

balance_sheet

Value: 59.80%

Peer Median: 87.07%

#275 of 300 Bottom 8.7% in 1B-3B tier

255

Indirect Auto Concentration (%)

balance_sheet

Value: 34.99%

Peer Median: 14.26%

#255 of 300 Bottom 15.3% in 1B-3B tier

247

AMR Growth Rate

growth

Value: -0.85%

Peer Median: 3.19%

#247 of 300 Bottom 18.0% in 1B-3B tier