Federal credit union · Rancho Cucamong, California · NCUA charter #24973
ARROWHEAD
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $2.79B
- Total assets
- 227,398
- Members
- 11.3%
- Net-worth ratio
ARROWHEAD scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.79B; members 227,398; net-worth ratio 11.28%; health rank #2,754 of 4,374; healthier than 36th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,754 of 4,374 health · 2025Q4ARROWHEAD · health 80/100 · $2.79B · 2025Q4
- CAMELS 80/100
- HEALTH 11.3%
- NW 1.00%
- DELQ 0.00%
- ROA $2.79B
- ASSETS 227,398
- MEM #2,754/4,374
- RANK Lake Trust
- PHOTO 24973
Call Report peers
ARROWHEAD in the assets neighbourhood
ARROWHEAD's $2.79B assets sit next to Lake Trust ($2.79B) 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.
ARROWHEAD 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
80 36th percentile higher than 36% 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
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 vs Over $500M peers
- Net Worth Ratio leads the peer set - 11.28% here, 11.18% peer average (+0.10 pp).
- Loan-to-Share Ratio trails the peer set - 61.94% here, 83.90% peer average (-21.96 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where ARROWHEAD sits in California
- Health composite ranks #162 of 243 among scored California credit unions.
- California assets place: #27 of 243.
- Member book place in California: #15 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How ARROWHEAD's 5300 filing moved
- Assets moved +4.0% from $2.79B (2025Q4) to $2.91B (2026Q1).
- Net-worth ratio shifted -0.16 pp (11.44% → 11.28%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
At 11.28%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 35.3 pts
- Delinquency Rate 23.5 pts
- Return on Assets 5.3 pts
- Loan-to-Share Ratio 15.9 pts
ARROWHEAD vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.28% | +0.10 pp |
| Delinquency Rate | 1.00% | +0.13 pp |
| Return on Assets | 0.00% | -0.51 pp |
| Member Growth | N/A | - |
| Loan-to-Share Ratio | 61.94% | -21.96 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
ARROWHEAD quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.91B | - |
| 2025Q4 | $2.79B | 227,398 |
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
Branch Locations (21)
ARROWHEAD operates 21 offices across 18 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate -Haven (Main Office) | Rancho Cucamonga, CA |
| Bullhead City | Bullhead City, AZ |
| Chino | Chino, CA |
| Crestline | Crestline, CA |
| Eastvale In-Store | Eastvale, CA |
| Fontana | Fontana, CA |
| Highland | Highland, CA |
| Highland In-Store | Highland, CA |
| Long Beach | Long Beach, CA |
| Montclair | Montclair, CA |
| Needles | Needles, CA |
| Rancho Cucamonga | Rancho Cucamonga, CA |
| Redlands | Redlands, CA |
| Rialto | Rialto, CA |
| Riverside | Riverside, CA |
| San Bernardino | San Bernardino, CA |
| San Bernardino - SBVC Campus | San Bernardino, CA |
| Torrance In-Store | Torrance, CA |
| Upland In-Store | Upland, CA |
| Victorville | Victorville, CA |
| Yucaipa | Yucaipa, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
ARROWHEAD nationwide neighbourhoods
Two NCUA Call Report peer sets for ARROWHEAD, both outside California 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 ($2.79B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- ARROWHEAD ranks #2,754 of 4,374 nationally on financial health and #162 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- PARTNERS is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with PARTNERS
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California 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 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 the national health ranking (same basis as /rankings/healthiest), it sits at #2,754 of 4,374; by total assets it ranks #175 of 4,374 nationally (same basis as /rankings/largest); and #27 of 243 within California. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.28% 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 11.28% 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.
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.