PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Arrowhead Central

San Bernardino, CA · Charter 60700

NCUA · 20 branches

Q4 2024

$2.5BAssets
$1.4BLoans
$2.2BShares
$284.6MNet Worth

Executive Summary

  • Earnings: ROA of 0.95%, up 58 bps year over year; NIM at 3.99%.
  • Asset quality: problem loans at 0.74% of loans (+16 bps YoY).
  • Capital: net worth / assets of 11.51%, up 74 bps from a year ago.
  • Funding: loans stand at 65.41% of shares as of Q4 2024.

Return on Assets (YTD, annualized)

0.95%+58 bps YoY

Net Interest Margin (YTD, annualized)

3.99%+126 bps YoY

Efficiency Ratio (YTD, annualized)

71.20%-1,207 bps YoY

Net Worth / Assets

11.51%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Earnings
Return on Assets0.45%0.40%0.38%0.37%0.69%0.81%0.99%0.95%+58 bps
Return on Equity4.39%3.83%3.63%3.45%6.34%7.14%8.43%8.27%+482 bps
Net Interest Margin2.42%2.54%2.58%2.74%3.36%3.74%3.95%3.99%+126 bps
Efficiency Ratio82.00%83.36%83.54%83.27%74.53%74.18%71.69%71.20%-1,207 bps
Growth
Asset Growth (YoY)7.60%4.10%6.74%-0.01%-2.93%-3.15%-3.67%2.27%+228 bps
Loan Growth (YoY)60.45%55.03%44.75%24.88%14.70%14.03%12.63%13.40%-1,148 bps
Share Growth (YoY)1.11%-2.74%-4.23%-2.66%-1.59%0.00%2.47%7.24%+990 bps
Asset Quality
Delinquent Loans / Loans0.24%0.26%0.38%0.58%0.48%0.61%0.67%0.74%+16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.25%10.48%10.52%10.77%10.95%11.35%11.69%11.51%+74 bps
Net Worth / Assets10.25%10.48%10.52%10.77%10.95%11.35%11.69%11.51%+74 bps
Liquidity & Funding
Loans / Shares52.28%55.79%60.32%61.86%60.93%63.62%66.31%65.41%+355 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps