# ARROWHEAD
Rancho Cucamong, CA · NCUA charter 24973 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/arrowhead-24973

Who the members are: federal charter, multiple common bond, organized 1949, low-income designated. 232,781 members of 6,372,817 potential (3.6% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 41.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.91B |
| Members | 232,781 (5.5% YoY) |
| Full-time staff | 493 |
| Net worth | $327.7M |
| Net worth ratio | 11.3% (p62 of band) |
| ROA (annualized) | 1.13% (p80 of band) |
| Total delinquency | 0.85% (p73 of band) |
| Net charge-offs (annualized) | 1.14% (p91 of band) |
| Loans / shares | 59% (p7 of band) |
| Cash / assets | 15.6% |
| Borrowings / assets | 4.47% |
| Net interest margin | 4.12% (p93 of band) |
| Operating expense / assets | 4.02% (p87 of band) |
| Vehicles % of loans | 61% (p97 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 59% |
| Third-party paper % of net worth | 194% (p66 of band) |
| Vehicle delinquency | 0.85% (p70 of band) |
| Vehicle NCO | 0.84% (p41 of band) |
| Repossessed % of vehicle book | 0.04% (p38 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 14% |
| Commercial % of net worth | 25% |
| Core shares % of member funds | 70% |
| Certificates % of member funds | 21% |
| Average share balance | $5,181 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $47.8M |
| Loans outstanding per 100 members | 41% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $15,139 |
| Loans granted, annualized | $506.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $47.8M outstanding purchased (14.6% of net worth), $0 sold and retained. Sold in 0 and bought in 1 of the last 8 quarters. Shares 7.0% year over year.

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **charge-offs p90** (`aq_nco_high`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2025-03 | 4 | expense trap, charge-offs p90, 3rd-party paper>100% NW, auto monoline |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 3 |  | expense trap |
| 2026-03 | 4 | net worth falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-10 [ArrowHeart Foundation and Arrowhead Credit Union Light Up the Night at National Night Out - EIN Presswire](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQUXF3MmJ0dldNdm5udUpnNVZoaDZHYnNPSWNrXzF1SG5MdmlFNGxzemM0YmVVb3NvZjdPSW1jcDBkRUJnOFBzUmh4bllwYlNPdTBYS3BMNlBYcG9MX0RscFNfcFpNQW94dHpBV0YxRF9EMUVhZE4zOGpkWE1pSEVsbWpTaFF5UnRiRERnZlUybFdvcXFzejJYR1ZTUUgtTmMzbFlhRGhYVDJYNGZROVRJOE90SUMzaFAwOTZ0eUFvN2UzMTl2SHRxeVBoV19GekRWYUE?oc=5) · EIN Presswire
- 2026-04-27 [ArrowHeart Foundation celebrates scholars at annual scholarship awards ceremony - CUInsight](https://news.google.com/rss/articles/CBMivAFBVV95cUxQNE80QS12WVNjSUpfbzQyZ24yVmNKVkkxc0lzNTJuTk5TNHJ4WEU4MzVDZmtmTnAyQ0Y0WXhRczJ0S3lkRDJPVEl1WWlyZHRaWWdDT3cxQ2dxRE9MWFNUUDRDUGtzTk9ha3hkdE9EOHFBekR6Mm9YdlhBaVdNdVNSZllXN29tN0VjWDlOZFhtVzBMWkFERFZtTEp5S0RjVXJzUFoxdGhURjRVdU5EaVdHNGt6U2V5OW5STFNlZA?oc=5) · CUInsight
- 2017-08-23 [Arrowhead Credit Union among the winners of Richard Myles Johnson Foundation Golf Tournament; event raises $60,000 - Fontana Herald News](https://news.google.com/rss/articles/CBMipAJBVV95cUxQOFBORmE4Z0dxUzdGcHpIZHZvcENKbUNxWXlTY2ltaXcyOUYtZXktdlJYMG8zSjVvRTdvcDFpMUV3a29IVGVkdHlrZHhMZjU0UEJKVXJVWWNMU0tVSXJneEJ0eGp0NGY5OXFlT3Z4Y1BGVkpBdjZLeUFVOU9mbGdaWkNZT3ozU1pvUVc5RVZJUVd5eGFJckpVWVVfOExwUHhLbWptUHV3QTBPYUxxbW1xd3FjWTRrT1ZidjQxdXdxUGJBOG9xdnI5VWpLYmozUnRfMm5BT1dPMzMwMFhmekVNcHBlT1h0UUdKYmYyR3JSNTNNYW5vWjVTbkIxajVLcnowVE1ZazBHZDJkaUhiUzBsbmdNbUZxcTNjd0hHZmwzM2F5WGh2?oc=5) · Fontana Herald News
- 2023-12-20 [ArrowHeart Foundation – a community organization established by Arrowhead Credit Union – Executive recognized for community goodwill - CUInsight](https://news.google.com/rss/articles/CBMi_gFBVV95cUxPS3NLdFNWVF8tVThQQXRZcjhSQXRON2F2N01VSzVHdUVpeWdZRWJiaWE1RG1QWEpWSFoxaS1SYzh5c1ZBT3FMTldhajA5STk5TG94VWdzaURDWHduVDJTd1FURmU3WVEwNXpQVXFwSG91cEZfbnVrVFFTSUV2UDNiX29TQTJHdmNlUEtTOG1oc3FGRThvSDlHc21LWlZpOWlvbGVmaGI1bHBNbFRnaWcyMGJGVlhNT0pXNlBDNEhXWkpaQ1ZzTlhDelk5eTlxaGZxZ01Yako4LXRuNzJiUm9FbkZuT3Z2blluZ2F4eTdLMklkRTlnUzlPdmdvX0JrQQ?oc=5) · CUInsight
- 2024-06-13 [William Perong Obituary - San Bernardino, CA (1943-2023) - Daily Bulletin](https://news.google.com/rss/articles/CBMif0FVX3lxTE0xRHloVkkxMHN6TVd5aGFuRG1oQkc4MjJ4X2N1UDduaVNkY3ZPdjVHb0NmTy15QUEteHZBdDdUZzRmSEhCYlI2NVdjamhaRllTZVhncFZLdjRjSFpNWmgzb0p1bjA0NWczZ3pBLUh4N2VMZm9kNkpwVFRMUzJ0U1U?oc=5) · Daily Bulletin
- 2021-10-05 [Cynthia Zimmerman Obituary - Montgomery Advertiser](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1KY3gxcERVWFh3Vk03azNTcmNPUTE2TG43S3lVZ3B3c0x4LWRsdG9EZUdseU9Qdzh2Qy0wejI4a1VyMlFiVzFubzctZ1FCcnVkNjFNV2tseS15YW9xdmRWbzEtNU1LN01n?oc=5) · Montgomery Advertiser
- 2004-03-22 [PEOPLE IN BUSINESS - SFGATE](https://news.google.com/rss/articles/CBMieEFVX3lxTE55eWctUTBZWlVjd3duR3Fib2JHanBwRUl6V2pmSnhOOGktTVJ2SzhpT21MdUVQdnd5aGRJTXNmYzVnNXRISzQzVE03MEQ1dHMxYVVkMWZjb3RMVkhTTVE3OVZ2Q0dhNGxXOFk5MFAtNVpmYjNxOWprSw?oc=5) · SFGATE
- 2022-08-26 [NewMark Merrill Cos. Breaks Ground on 96,011-Square-Foot Shopping Center in Rialto, California - Shopping Center Business](https://news.google.com/rss/articles/CBMixgFBVV95cUxNQ3M0dFJjZFBOTEtfdHd1TnlYcHB3ZlVzOGNvTlI5Y1EzeE9YRDdCNWQtSElET1c4MmVmYXo1NTJTQ1FVVHdzbzZyZXNpYjR4QWkyU0ROc2d5V3ZLU2RWVEpja1VBQkZROXFBSXpaa3B6cGZnbEFVYUFzWENVRkJBeVFMNlNPN0FxR2ZuUVpaTXZBTDMyaEN3R2J2aHFlbm1HYkFuUlNkZDVFRmNHNTFRMmlIbEZEMDZXMjJmTl9Cd0ZxN0dCU0E?oc=5) · Shopping Center Business

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24973 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "24973", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24973
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide