BlastPoint's Credit Union Scorecard
ARROWHEAD
Charter #24973 · CA
Mid-Market
1B-3B
302 CUs in 1B-3B nationally
40 in CA
View Mid-Market leaderboard →
ARROWHEAD has 6 strengths but faces 11 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 0.67% above tier average
- + Net Interest Margin 1.14% above tier average
- + Total Members: Top 0.3% in tier
- + First Mortgage Concentration (%): Top 1.0% in tier
- + Total Assets: Top 3.0% in tier
- + Total Deposits: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 31.3% in tier
- - Delinquency rate 0.11% above tier average
- - 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 1.0% in tier
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 8.6% in tier
- - Loan-to-Share Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
227,398
+0.3% QoQ
|
+130.0K |
97,431
-2.4% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
Top 0.7% in tier |
| Assets |
$2.8B
+5.5% QoQ
|
+$1.1B |
$1.7B
+0.9% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
Top 3.3% in tier |
| Loans |
$1.4B
+0.4% QoQ
|
+$190.4M |
$1.2B
+0.5% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$2.3B
+1.5% QoQ
|
+$841.0M |
$1.5B
+0.9% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
Top 7.9% in tier |
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| ROA |
1.4%
-4.3% QoQ
|
+0.7% |
0.7%
+20.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Top 7.9% in tier |
| NIM |
4.4%
-3.6% QoQ
|
+1.1% |
3.3%
+9.2% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Top 4.0% in tier |
| Efficiency Ratio |
67.0%
+0.4% QoQ
|
-7.1% |
74.1%
-9.5% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
1.0%
+29.3% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
61.9%
-1.1% QoQ
|
-22.8% |
84.8%
-0.8% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.6% in tier |
| AMR |
$16,382
+0.7% QoQ
|
$-13K |
$29,428
+2.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.3% in tier |
| CD Concentration |
20.4%
+1.2% QoQ
|
-8.7% | 29.0% | 21.7% | 19.8% | Bottom 14.1% in tier |
| Indirect Auto % |
35.5%
-2.4% QoQ
|
+17.2% | 18.3% | 9.2% | 7.8% | 85% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Indirect Auto Dependency
risk
#62 of 196 • Bottom 31.3% in tier
Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Why This Signature
Asset Growth (YoY):
-
(Tier:
6.83%, National:
3.54%)
Indirect Auto %:
35.53%
(Tier:
18.31%, National:
7.78%)
Member Growth (YoY):
-
(Tier:
3.43%, National:
4.32%)
196 of 378 Mid-Market CUs have this signature |
745 nationally
↓ Shrinking
-11 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)
Top Strengths (9 metrics)
2
Total Members
engagement
Value:
227,398
Peer Median: -
#2 of 302
Top 0.3% in 1B-3B tier
4
First Mortgage Concentration (%)
balance_sheet
Value:
9.07%
Peer Median: -
#4 of 302
Top 1.0% in 1B-3B tier
10
Total Assets
balance_sheet
Value:
$2.79B
Peer Median: -
#10 of 302
Top 3.0% in 1B-3B tier
12
Net Interest Margin (NIM)
profitability
Value:
4.42%
Peer Median: -
#12 of 302
Top 3.6% in 1B-3B tier
24
Return on Assets (ROA)
profitability
Value:
1.35%
Peer Median: -
#24 of 302
Top 7.6% in 1B-3B tier
24
Total Deposits
balance_sheet
Value:
$2.30B
Peer Median: -
#24 of 302
Top 7.6% in 1B-3B tier
45
Share Certificate Concentration (%)
balance_sheet
Value:
20.38%
Peer Median: -
#45 of 302
Top 14.6% in 1B-3B tier
55
Members Per Employee (MPE)
engagement
Value:
429.864
Peer Median: -
#55 of 302
Top 17.9% in 1B-3B tier
73
Efficiency Ratio
profitability
Value:
67.00%
Peer Median: -
#73 of 302
Top 23.8% in 1B-3B tier
Top Weaknesses (10 metrics)
302
Member Growth Rate
growth
Value:
-
Peer Median: -
#302 of 302
Bottom 0.0% in 1B-3B tier
302
Asset Growth Rate
growth
Value:
-
Peer Median: -
#302 of 302
Bottom 0.0% in 1B-3B tier
302
Loan Growth Rate
growth
Value:
-
Peer Median: -
#302 of 302
Bottom 0.0% in 1B-3B tier
302
Deposit Growth Rate
growth
Value:
-
Peer Median: -
#302 of 302
Bottom 0.0% in 1B-3B tier
302
AMR Growth Rate
growth
Value:
-
Peer Median: -
#302 of 302
Bottom 0.0% in 1B-3B tier
300
Loan-to-Member Ratio (LMR)
engagement
Value:
$6,266
Peer Median: -
#300 of 302
Bottom 1.0% in 1B-3B tier
295
Average Member Relationship (AMR)
engagement
Value:
$16,382
Peer Median: -
#295 of 302
Bottom 2.6% in 1B-3B tier
277
Net Charge-Off Rate
risk
Value:
1.16%
Peer Median: -
#277 of 302
Bottom 8.6% in 1B-3B tier
276
Loan-to-Share Ratio
balance_sheet
Value:
61.94%
Peer Median: -
#276 of 302
Bottom 8.9% in 1B-3B tier
257
Indirect Auto Concentration (%)
balance_sheet
Value:
35.53%
Peer Median: -
#257 of 302
Bottom 15.2% in 1B-3B tier