Arrowhead Central Credit Union

Arrowhead Central Credit Union Locations

P O Box 735, Mail Code #086
San Bernardino, CA 924020735
800-743-7228
www.arrowheadcu.org

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June 25, 2010 Alexandria, Va. – The National Credit Union Administration (NCUA) today placed Arrowhead Central Credit Union of San Bernardino, California, into conservatorship. By assuming control, NCUA will continue credit union service to the members and ensure safe and sound credit union operations.

Conserved Arrowhead Credit Union Closes Eight Branches (Forum) - 12/1/2010

From the Credit Union National Association: Arrowhead CU, operating under National Credit Union Administration (NCUA) conservatorship since June, announced Tuesday it will close eight branches by the end of the year.

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See Rates for: Checking | Savings | Money Market | CD | IRA

Arrowhead Central Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.08%	$25k	-	Consumer Dividend Checking

Arrowhead Central Credit Union Savings Account Rates

Apy	Min	Max	Product
0.15%	$5k	-	Share Savings
0.15%	$5k	-	IRA Share Savings
0.15%	$5k	-	Roth IRA Share Savings
0.05%	-	-	Special Savings
0.05%	-	-	Holiday Club

Arrowhead Central Credit Union Money Market Rates

	Apy	Min	Max	Product
	0.30%	$100k	-	Money Market Plus

Arrowhead Central Credit Union CD Rates

Apy	Min	Max	Product
1.35%	$100k	-	60 Month Share Certificate
1.00%	$100k	-	48 Month Share Certificate
0.65%	$100k	-	36 Month Share Certificate
0.50%	$100k	-	24 Month Share Certificate
0.35%	$100k	-	12 Month Share Certificate
0.30%	$100k	-	6 Month Share Certificate

Arrowhead Central Credit Union IRA Rates

Apy	Min	Max	Product
1.35%	$100k	-	60 Month IRA Certificate
1.35%	$100k	-	60 Month Roth IRA Certificate
1.00%	$100k	-	48 Month IRA Certificate
1.00%	$100k	-	48 Month Roth IRA Certificate
0.65%	$100k	-	36 Month IRA Certificate
0.65%	$100k	-	36 Month Roth IRA Certificate
0.50%	$100k	-	24 Month IRA Certificate
0.50%	$100k	-	24 Month Roth IRA Certificate
0.35%	$100k	-	12 Month IRA Certificate
0.35%	$100k	-	12 Month Roth IRA Certificate

Rates updated: 5/22/2012

Data for Q4 2011

Institution Statistics

ARROWHEAD CENTRAL
NCUA #	60700
BankRate Report	View
Year Chartered	1949
Employees	154
Primary Regulator
Assets and Liabilities
Assets	$660.10 million
Loans	$455.53 million
Deposits	$595.30 million
Equity Capital	$44.39 million
Loan Loss Allowance	$34.87 million
Unbacked Noncurrent Loans	$11.20 million
Real Estate Owned	$1.67 million
Historic Data - December 2010
Assets	$672.14 million
Equity Capital	$18.84 million
Loan Loss Allowance	$49.25 million
Unbacked Noncurrent Loans	$12.30 million
Real Estate Owned	$2.56 million
Profit Margin - Quarterly
Net Interest Margin	7.63%
Return on Assets	3.79%
Return on Equity	56.33%
Interest Income	$36.74 million
Non-Interest Income	$28.42 million

Institution Health

Overall Score:

3 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Arrowhead Central Credit Union had $12.87 million in non-current loans and owned real-estate with $79.26 million in equity and loan loss allowances on hand to cover it. This gives Arrowhead Central Credit Union a Texas Ratio of 16.23% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Arrowhead Central Credit Union decreased slightly from 21.82% as of December 31, 2010 to 16.23% as of December 31, 2011, resulting in a positive change of 25.61%.This indicates that the balance sheet and financial strength for Arrowhead Central Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Arrowhead Central Credit Union has decreased its total deposits by -$43.66 million, resulting in -6.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Arrowhead Central Credit Union has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Arrowhead Central Credit Union has $660.1 million in assets with $79.26 million in equity, resulting in a capitalization level of 12.01%, which is excellent.