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
Call Report peers
ARRHA in the assets neighbourhood
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ARRHA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ARRHA sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Massachusetts, LUSO (#99) ties at 75/100; one place down, Medford Municipal Employees (#101) scores 74/100, 1 point lower.
ARRHA: 2024Q4 → 2025Q4
ARRHA: total assets by quarter
2023Q4 to 2025Q4, NCUA 5300
- 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%).
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
ARRHA gives up 25 points in total. Return on Assets costs the most, 10.8 of its 15; Delinquency Rate scores full marks.
- 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 |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
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
Similar total assets
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
Frequently Asked Questions
Is ARRHA financially healthy?
ARRHA has a financial health score of 75/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,304 of 4,374 nationally on health and #100 of 126 in Massachusetts. Its net worth ratio is 7.00% and its delinquency rate 0.32%.
How does ARRHA compare to other credit unions?
ARRHA scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (95.61% vs 72.20%). Its widest shortfall is net worth ratio (7.00% vs 12.11%).
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?
ARRHA is a state-chartered credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.