# ARROWHEAD CENTRAL
Rancho Cucamong, CA · NCUA charter 60700 · asset band $1-10B · latest filing 2024-12 · stopped filing after 2024-12 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/arrowhead-central-60700

Who the members are: state charter, organized 1949, low-income designated. 219,167 members of 6,234,868 potential (3.5% of the field); checking penetration 84% (share draft accounts per 100 members); loans per 100 members 44.

**Verdict on the desk:** this could be *auto monoline*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.47B |
| Members | 219,167 (8.5% YoY) |
| Full-time staff | 460 |
| Net worth | $284.6M |
| Net worth ratio | 11.5% (p64 of band) |
| ROA (annualized) | 0.95% (p79 of band) |
| Total delinquency | 0.74% (p57 of band) |
| Net charge-offs (annualized) | 0.97% (p85 of band) |
| Loans / shares | 65% (p10 of band) |
| Cash / assets | 21.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.99% (p95 of band) |
| Operating expense / assets | 4.02% (p91 of band) |
| Vehicles % of loans | 64% (p98 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 55% |
| Third-party paper % of net worth | 212% (p65 of band) |
| Vehicle delinquency | 0.45% (p27 of band) |
| Vehicle NCO | 0.45% (p21 of band) |
| Repossessed % of vehicle book | 0.02% (p31 of band) |
| Real estate % of loans | 15% |
| Credit cards % of loans | 7% |
| Unsecured % of loans | 15% |
| Commercial % of net worth | 26% |
| Core shares % of member funds | 72% |
| Certificates % of member funds | 17% |
| Average share balance | $6,892 |
| Participations bought / yr | $1.2M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 44% |
| Loans granted per 100 members, annualized | 13% |
| Average loan balance | $14,733 |
| Loans granted, annualized | $557.1M |

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **3rd-party paper>100% NW** (`str_thirdparty`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | charge-offs p90 |  |
| 2016-06 | 1 | expense trap | charge-offs p90 |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | expense trap |
| 2017-03 | 1 | expense trap |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 0 |  | expense trap |
| 2018-09 | 2 | expense trap, 3rd-party paper>100% NW |  |
| 2018-12 | 2 |  |  |
| 2019-03 | 3 | delinquency rising, auto monoline | expense trap |
| 2019-06 | 3 |  |  |
| 2019-09 | 4 | expense trap, charge-offs p90 | delinquency rising |
| 2019-12 | 5 | net worth falling |  |
| 2020-03 | 4 |  | charge-offs p90 |
| 2020-06 | 5 | margin squeeze, charge-offs p90 | expense trap |
| 2020-09 | 5 |  |  |
| 2020-12 | 5 |  |  |
| 2021-03 | 3 |  | 3rd-party paper>100% NW, charge-offs p90 |
| 2021-06 | 3 |  |  |
| 2021-09 | 3 |  |  |
| 2021-12 | 2 |  | net worth falling |
| 2022-03 | 1 |  | margin squeeze |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 3 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | leaning on borrowings | delinquency rising |
| 2023-03 | 4 | net worth falling |  |
| 2023-06 | 3 |  | net worth falling |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 | delinquency rising | leaning on borrowings |
| 2024-06 | 5 | expense trap, assets shrinking |  |
| 2024-09 | 5 |  |  |
| 2024-12 | 3 |  | delinquency rising, assets shrinking |

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

- 2024-11-01 [Monthly Bulletin – November 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMif0FVX3lxTE9hd3ljSjNJc0lUQVY1WlBXYUFfanRnZ0pSRTBvWlM3VDJTbFVOZWpYbDZfX3pPMjhuOXFrQ1pHU0RYUUpDSFhpdGkzeWh4Q0R5dmVuVU94a3JNcVVHenE3bmRGXzZ4dWlrb25SQmloRERGZnNIZExpOTFDa2tlZEk?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2023-10-05 [Credit Unions Are Making Money Off People Living Paycheck to Paycheck - Politico](https://news.google.com/rss/articles/CBMikAFBVV95cUxQUm5kMGV1dE9US1FlRGJ3dUhWWGxZamlKWTFGSm1qMDZ3dkFMeExjdlZfNGtUQ3NfdHVkSEE4bVZka2N0MXFNd1VoWUdZbXRTT0RjY3JtR1FzaEsweHFXUjhRd3EwMFlIRFVBTVFjRTRqY2pwNHhsRkVtZmVrMGpOWVN3UjVUVW5OTmVTcjhLVmU?oc=5) · Politico
- 2010-06-29 [Vons Credit Union coming to Hesperia - Victorville Daily Press](https://news.google.com/rss/articles/CBMimwFBVV95cUxNYzJrejhIQTFzZW5HTnhHaU1WWTZucEhIamg2TC14d2V4NTNfUjJZdXBxc2FIUTBvSDIweGFQXzJ3cU1XOV9YXzlBWnpjTWVPUUExdXZDYXJrRjdXc0dHZ3RNVURJWFlCRmF0eGItZjJoaVFMUVFweE5GRnNYYnVzOUM1WXl4NHpGNjhZc2VLVWE5elFyeHRUeFNDcw?oc=5) · Victorville Daily Press
- 2024-11-09 [Monthly Bulletin – July 2024 - The Department of Financial Protection and Innovation (.gov)](https://news.google.com/rss/articles/CBMiekFVX3lxTE80SmNpOWhBTWN1bmc0Q055V1FmLTFSSWZIU21TYlo2VWx6Q2V4ZVJXVzFTcmVPY0M2MUJldnNhZ1ZrcWYzWjRCSmJaLTFyajhhYUlKYVhXLS1NWUZWYlpUQ0cwZFNBTk5IOVZqbFI3ZEUxY245aWhReXdn?oc=5) · The Department of Financial Protection and Innovation (.gov)
- 2025-08-25 [San Bernardino’s Feldheym Library is about to celebrate 40 years - San Bernardino Sun](https://news.google.com/rss/articles/CBMingFBVV95cUxPVy1RNW56dkVoV1lCLVQteDR6ek4wYXJDRTdzeXBUR2VYRkk1ZERBd08tVThJVXc4bTZpN2RBVDF0LUlIbkNuWDMwcl92M2JWVVRZY1d3Mkh3OWJja1U0Q3hMNzB2MkV4V3ZuNWRhbi1lQ2tlOGxMcXZ4Y1Z0LTdlaDRoTEp1R0NhWWUzY2NhTk43Y1ZqYThwalVIa3d6dw?oc=5) · San Bernardino Sun
- 2015-08-07 [Abandoned Kid's Planet to get new tenant - Victorville Daily Press](https://news.google.com/rss/articles/CBMirgFBVV95cUxNTmliM1Z2dFhMQnhQNFVPTWd5cEkyS0wyS3BjRWRoZHhBejgtd09ieHZ6ZjBUU3lWSUd3UlU3TmpGU0NLaHY5UW5Yb25zUFlwOGlIam85X1F2TVRNeFh3ajhNc21raVc3eGRnMm9nMFRqS1BmV0NxNnR2VWlLMTM2Q0o1UGdQZ2wzczdodXFwNzEtZmZGSFg3T2p6Z2ZYMk9zT0lCWC1jWlRSdThDOHc?oc=5) · Victorville Daily Press
- 2013-05-08 [Historic VV bank building gets complete overhaul - Victorville Daily Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxPZ2otXzU0bXducE1NQlRlOTRxa0YxQjgxQkV5bDN6VTRCSlh2cG1Td0pMYnFQZklaZnc4T05TbGk5d2ZFUFJta3RLLW0zUk91YmRpTWlXbU1xTXJraWZqNVhkZTFzM3ZwMGFIVlFzLTNNU0VDUjJvd3BWUUY4OVJvSXN5VVZPREF3QVRPQW9PcUtrbVg2aWhLR3dR?oc=5) · Victorville Daily Press

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=60700 (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/28.json (key "60700", 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=60700
- 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