Federal credit union · Rancho Cucamong, California · NCUA charter #24973
Arrowhead
Health score 80/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $2.79B
- Total assets
- 227,398
- Members
- 11.1%
- Net-worth ratio
Arrowhead - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #24973, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Arrowhead - 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)100
- Asset quality (delinquency)80
- Earnings (ROA)30
- Member growth-
- Liquidity (loan-to-share)88
Weighted composite: 80/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 11.13%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 11.13% | 30% |
| Delinquency Rate | 1.00% | 25% |
| Return on Assets | 0.00% | 15% |
| Member Growth | N/A | 15% |
| Loan-to-Share Ratio | 61.94% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Credit Union Details
- Charter Number
- 24973
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- Over $500M
- State
- California
- City
- Rancho Cucamong
- Data Quarter
- 2025Q4
What This Data Says About Arrowhead
227,398 members and $2.79B in total assets sit behind Arrowhead, a federal credit union in Rancho Cucamong, California, which posts a health score of 80/100 (Excellent) on the five-factor composite, with $1.42B in outstanding loans as of Q4 2025 and a net worth ratio of 11.13% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #24973 in peer group Over $500M, a cohort of 749 similarly-sized institutions.
1.00% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running looser than peers. Deposit deployment is captured by the 61.94% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.00% on net income of $0 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.
Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other/Community) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, 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 Arrowhead financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Arrowhead carries a financial health score of 80/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.13% net worth ratio and a 1.00% delinquency rate.
How does Arrowhead compare to other credit unions?
Arrowhead scores 80/100 on PlainCU's health composite, compared to a peer group average for Over $500M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Arrowhead?
Arrowhead operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Arrowhead directly for the exact boundaries and application steps.
Is my money safe at Arrowhead?
Federal credit unions like Arrowhead 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. Arrowhead's net worth ratio of 11.13% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Arrowhead offer compared to banks?
Credit unions like Arrowhead 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 Arrowhead 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.