State credit union · Springfield, Massachusetts · NCUA charter #61189
Arrha
Health score 75/100 (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 - 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.
Arrha - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)75
- Asset quality (delinquency)100
- Earnings (ROA)28
- Member growth71
- Liquidity (loan-to-share)83
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This institution's 7.00% net worth ratio sits below the NCUA's 7.0% well-capitalized threshold.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 7.00% | 30% |
| Delinquency Rate | 0.32% | 25% |
| Return on Assets | -0.03% | 15% |
| Member Growth | 1.34% | 15% |
| Loan-to-Share Ratio | 95.61% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| 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
What This Data Says About Arrha
Charter #61189, peer group $100M–$500M, a cohort of 1069 similarly-sized institutions: that's Arrha, a state credit union in Springfield, Massachusetts with 9,850 members, $159.5M in total assets, and $127.2M in outstanding loans as of Q4 2025. The five-factor composite scores it 75/100 (Very Good), helped by a net worth ratio of 7.00% - relative to the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.32% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers - and a 95.61% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at -0.03% on net income of $-49241 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 1.34%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in Massachusetts
Other federally-insured credit unions in Massachusetts, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. 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% is relative to 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.
Read our methodology - how this data is sourced, computed, and verified.
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.