ARRHA

Charter #61189 | MA

100M-500M (1077 CUs) Micro
32 100M-500M in MA

ARRHA has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.4% in tier
  • + Relationship Depth Leader: Top 7.2% in tier
  • + Organic Growth Leader: Top 18.1% in tier
  • + Loan Growth Rate: Top 5.9% in tier
  • + AMR Growth Rate: Top 7.0% in tier
  • + Loan-to-Share Ratio: Top 7.5% in tier
  • + Deposit Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.9% in tier
  • - Liquidity Strain: Bottom 8.5% in tier
  • - ROA 1.04% below tier average
  • - Efficiency ratio 28.40% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 2.8% in tier
  • - First Mortgage Concentration (%): Bottom 5.6% in tier
  • - Net Interest Margin (NIM): Bottom 6.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 9,851
+2.2% YoY+5.6% QoQ
 -5.8K 15,628
-3.4% YoY
 27,447
+2.6% YoY
 33,089
+6.1% YoY
 29th in tier
Assets $163.2M
+8.5% YoY-1.3% QoQ
 $-68.1M $231.3M
-0.0% YoY
 $440.2M
+4.2% YoY
 $547.7M
+7.8% YoY
 36th in tier
Loans $128.4M
+16.2% YoY+4.9% QoQ
 $-19.3M $147.8M
-1.4% YoY
 $341.2M
+2.4% YoY
 $388.7M
+8.6% YoY
 52nd in tier
Deposits $135.6M
+10.7% YoY-2.4% QoQ
 $-64.7M $200.3M
-0.0% YoY
 $366.8M
+5.5% YoY
 $464.6M
+9.3% YoY
 33rd in tier
ROA -0.3%
+456.6% YoY-6.8% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.7%
+17.3% YoY
 0.7%
+273.4% YoY
 Bottom 3.3% in tier
NIM 2.5%
+3.2% YoY+0.8% QoQ
 -1.1% 3.6%
+6.9% YoY
 3.3%
+3.8% YoY
 3.7%
+5.0% YoY
 Bottom 6.5% in tier
Efficiency Ratio 105.7%
+6.7% YoY-0.6% QoQ
 +28.4% 77.3%
-3.0% YoY
 80.4%
-4.7% YoY
 79.1%
-3.3% YoY
 Top 1.4% in tier
Delinquency Rate 0.4%
-36.5% YoY-45.9% QoQ
 -0.5 0.9%
+7.6% YoY
 0.9%
-6.0% YoY
 1.2%
-0.9% YoY
 26th in tier
Loan To Share 94.8%
+5.0% YoY+7.5% QoQ
 +22.1% 72.7%
-1.5% YoY
 74.2%
-1.7% YoY
 68.0%
-1.7% YoY
 Top 7.6% in tier
AMR $26,800
+10.9% YoY-4.3% QoQ
 +$2K $24,363
+2.9% YoY
 $24,707
+3.7% YoY
 $19,418
+1.3% YoY
 72nd in tier
CD Concentration 37.2%
+31.4% YoY+2.3% QoQ
 +12.7% 24.4%
+4.2% YoY
 24.8%
+8.8% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 3.6%
-27.7% YoY-15.3% QoQ
 -10.3% 14.0%
-5.8% YoY
 2.6%
-15.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#94 of 1006 • Top 3.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 10.92%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#199 of 1006 • Top 7.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 10.92%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.5K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Organic Growth Leader

growth
#239 of 430 • Top 18.1% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (2)

Efficiency Drag

risk
#70 of 521 • Bottom 3.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 105.68%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.21% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 2.16%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Strain

risk
#67 of 258 • Bottom 8.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 94.76%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 16.21%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

65
Loan Growth Rate
growth
Value: 16.21%
Peer Avg: 3.45%
#65 of 1077 Top 5.9% in 100M-500M tier
76
AMR Growth Rate
growth
Value: 10.92%
Peer Avg: 3.64%
#76 of 1077 Top 7.0% in 100M-500M tier
82
Loan-to-Share Ratio
balance_sheet
Value: 94.76%
Peer Avg: 72.70%
#82 of 1077 Top 7.5% in 100M-500M tier
105
Deposit Growth Rate
growth
Value: 10.69%
Peer Avg: 4.69%
#105 of 1077 Top 9.7% in 100M-500M tier
145
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.47%
#145 of 1077 Top 13.4% in 100M-500M tier
190
Asset Growth Rate
growth
Value: 8.47%
Peer Avg: 4.70%
#190 of 1077 Top 17.5% in 100M-500M tier
190
Loan-to-Member Ratio (LMR)
engagement
Value: $13,039
Peer Avg: $10,245
#190 of 1077 Top 17.5% in 100M-500M tier

Top Weaknesses (7 metrics)

1063
Efficiency Ratio
profitability
Value: 105.68%
Peer Avg: 77.28%
#1063 of 1077 Bottom 1.4% in 100M-500M tier
1048
Net Worth Ratio
risk
Value: 7.79%
Peer Avg: 12.15%
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1041
Return on Assets (ROA)
profitability
Value: -0.25%
Peer Avg: 0.79%
#1041 of 1077 Bottom 3.4% in 100M-500M tier
1018
First Mortgage Concentration (%)
balance_sheet
Value: 61.32%
Peer Avg: 30.43%
#1018 of 1077 Bottom 5.6% in 100M-500M tier
1007
Net Interest Margin (NIM)
profitability
Value: 2.53%
Peer Avg: 3.58%
#1007 of 1077 Bottom 6.6% in 100M-500M tier
958
Share Certificate Concentration (%)
balance_sheet
Value: 37.15%
Peer Avg: 23.61%
#958 of 1077 Bottom 11.1% in 100M-500M tier
849
Fee Income Per Member
profitability
Value: $112.88
Peer Avg: $174.31
#849 of 1077 Bottom 21.3% in 100M-500M tier