State credit union · Springfield, Massachusetts · NCUA charter #61189
ARRHA
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $159.5M
- Total assets
- 9,850
- Members
- 7.0%
- Net-worth ratio
ARRHA scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $159.5M; members 9,850; net-worth ratio 7.00%; health rank #3,304 of 4,374; healthier than 24th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,304 of 4,374 health · 2025Q4ARRHA · health 75/100 · $159.5M · 2025Q4
- RANK 75/100
- PHOTO 7.0%
- BOOK 0.32%
- CHARTER -0.03%
- NCUSIF $159.5M
- CAMELS 9,850
- HEALTH #3,304/4,374
- NW Prime Financial
- DELQ 61189
Call Report peers
ARRHA in the assets neighbourhood
ARRHA's $159.5M assets sit next to Prime Financial ($159.5M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ARRHA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ARRHA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61189. See our deposit-insurance coverage note.
Where ARRHA diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 95.61% vs peer 72.20% (+23.41 pp).
- Largest lag: Net Worth Ratio at 7.00% vs peer 12.11% (-5.11 pp).
Peer averages are NCUA 5300 means for the $100M–$500M cohort (1069 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ARRHA sits in Massachusetts
- Massachusetts health ordinal: #100 of 126.
- By total assets, ARRHA is #51 of 126 in Massachusetts.
- Membership ranks #45 of 126 among Massachusetts CUs with a reported count (9,850 members).
In-state ordinals use the live credit_unions table for MA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ARRHA: 2024Q4 → 2025Q4
ARRHA: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +6.6% from $149.6M (2024Q4) to $159.5M (2025Q4).
- Membership moved +1.3% from 9,720 to 9,850 over the same window.
- Net-worth ratio shifted -1.79 pp (8.79% → 7.00%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 7.00% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 75/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 75.
- Net Worth Ratio 22.5 pts
- Delinquency Rate 25.0 pts
- Return on Assets 4.2 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 12.7 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.00% | -5.11 pp |
| Delinquency Rate | 0.32% | -0.57 pp |
| Return on Assets | -0.03% | -0.65 pp |
| Member Growth | 1.34% | - |
| Loan-to-Share Ratio | 95.61% | +23.41 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Call Report history - ARRHA
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $159.5M | 9,850 |
| 2024Q4 | $149.6M | 9,720 |
| 2023Q4 | $139.9M | 9,620 |
Credit Union Details
- Charter Number
- 61189
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- Massachusetts
- City
- Springfield
- Data Quarter
- 2025Q4
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for ARRHA, both outside Massachusetts so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($159.5M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (75/100 here).
Using this data
- ARRHA ranks #3,304 of 4,374 nationally on financial health and #100 of 126 in MA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Pioneer Valley is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Pioneer Valley
- Rates and health both vary by institution, not just by state -- see how Massachusetts credit unions compare overall before assuming this one is typical. Massachusetts state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ARRHA financially healthy?
A 7.00% net worth ratio and a 0.32% delinquency rate feed into ARRHA's financial health score of 75/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,304 of 4,374; by total assets it ranks #1,450 of 4,374 nationally (same basis as /rankings/largest); and #51 of 126 within Massachusetts. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does ARRHA compare to other credit unions?
On PlainCU's health composite, ARRHA lands at 75/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join ARRHA?
Membership eligibility for ARRHA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact ARRHA directly for current membership requirements and application steps.
Is my money safe at ARRHA?
Federal credit unions like ARRHA are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ARRHA's net worth ratio of 7.00% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ARRHA offer compared to banks?
Credit unions like ARRHA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ARRHA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.