Arrowhead Central
San Bernardino, CA · Charter 60700 · Peer group: credit unions $1B-$10B in assets (n=413)
NCUA · 20 branches
Q4 2024
$2.5BAssets
$1.4BLoans
$2.2BShares
$284.6MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 94% of credit unions $1B-$10B in assets (rank 23 of 413).
- Widest gap: nonperforming loans / loans trails 56% of credit unions $1B-$10B in assets (rank 231 of 413).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.95%
Rank 89 of 413
Net Interest Margin
3.99%
Rank 23 of 413
Efficiency Ratio
71.20%
Rank 156 of 413
Equity / Assets
11.51%
Rank 153 of 413
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.95% | 0.30% | 0.60% | 0.87% | Beats 78% | 89 / 413 | | |
| Return on Equity | 8.27% | 2.83% | 5.49% | 7.94% | Beats 78% | 89 / 413 | | |
| Net Interest Margin | 3.99% | 2.56% | 2.96% | 3.37% | Beats 94% | 23 / 413 | | |
| Efficiency Ratio | 71.20% | 67.55% | 74.86% | 81.03% | Beats 62% | 156 / 413 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.44% | 0.68% | 1.01% | Beats 44% | 231 / 413 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.51% | 9.62% | 10.67% | 12.29% | Beats 63% | 153 / 413 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.51% | 9.62% | 10.67% | 12.29% | Beats 63% | 153 / 413 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.41% | 78.44% | 89.19% | 96.66% | 9th pctl | 376 / 413 | | |
| Loans / Assets | 56.91% | 68.04% | 74.91% | 81.25% | 9th pctl | 377 / 413 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |