Arrowhead Federal Credit Union

Credit UnionFCURancho Cucamong, CA·Est. 1949·NCUA #24973Compare ⇄▤ Account brief

Total assets

$2.91B

▲ +12.1% YoY

Shares & deposits

$2.40B

▲ +7.0% YoY

Loans

$1.43B

▲ +1.6% YoY

Members

232,781

▲ +5.5% YoY

ROA (annualized)

1.13%

peers 0.71%

ROE (annualized)

10.04%

peers 6.28%

Peer comparison 450 credit unions with 1B-10B in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+12.1%	+5.1%	+7.0 pts
Share growth (YoY)	+7.0%	+4.9%	+2.1 pts
Loan growth (YoY)	+1.6%	+5.4%	-3.8 pts
ROA	1.13%	0.71%	+0.4 pts
ROE	10.0%	6.3%	+3.8 pts

ROA ranks in the 80th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$2.91B	$2.40B	$1.43B	$327.7M	$8.2M	1.13%	4.12%	0.85%	232,781
Q4 2025	$2.79B	$2.30B	$1.42B	$319.5M	$36.8M	1.32%	4.30%	1.00%	227,398
Q3 2025	$2.65B	$2.27B	$1.42B	$312.3M	$27.7M	1.40%	4.52%	0.78%	226,646
Q2 2025	$2.58B	$2.24B	$1.42B	$303.0M	$18.5M	1.43%	4.60%	0.66%	222,545
Q1 2025	$2.59B	$2.25B	$1.41B	$294.5M	$9.9M	1.53%	4.48%	0.67%	220,694

Loan mix (Q1 2026): real estate $278.5M · commercial $83.3M · consumer $1.06B · securities $901.5M

Efficiency worsening·Efficiency ratio 69.2%, worse 3 quarters running — Cost pressure — automation pitches resonate, discretionary spend does not

Earlier quarters (1)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.13%	0.71%	80th
Return on equity Annualized net income ÷ equity or net worth	10.0%	6.3%	81th
Net interest margin Interest income − interest expense, ÷ assets	4.12%	3.32%	93th
Efficiency ratio

Selling to Arrowhead Federal Credit Union?

Peer lists, growth filters, CSV export, CRM push.

Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (5q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%