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P.O. Box 735, Mail Code #086
San Bernardino, CA 92402

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

Field of Membership Restrictions

Anyone who lives, works, or worships in San Bernardino or Riverside counties is eligible to become an Arrowhead Credit Union member. - See Details

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Data for Q4 2013

Institution Health


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, 2013 Arrowhead Central Credit Union had $3.32 million in non-current loans and owned real-estate with $111.23 million in equity and loan loss allowances on hand to cover it. This gives Arrowhead Central Credit Union a Texas Ratio of 2.98% which is excellent. 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 dramatically from 8.38% as of December 31, 2012 to 2.98% as of December 31, 2013, resulting in a positive change of 64.42%.This indicates that the balance sheet and financial strength for Arrowhead Central Credit Union has improved dramatically in recent periods.

Deposit Growth


In the past year, Arrowhead Central Credit Union has increased its total deposits by $45.82 million, resulting in 7.48% 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 excellent.



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 $773.46 million in assets with $111.23 million in equity, resulting in a capitalization level of 14.38%, which is excellent.

Institution Statistics

NCUA #60700
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$773.46 million
Loans$367.59 million
Deposits$658.22 million
Equity Capital$90.17 million
Loan Loss Allowance$21.07 million
Unbacked Noncurrent Loans$3.04 million
Real Estate Owned$278,000
Historic Data - December 2012
Assets$699.81 million
Equity Capital$63.27 million
Loan Loss Allowance$29.14 million
Unbacked Noncurrent Loans$3.04 million
Real Estate Owned$583,000
Profit Margin - Quarterly
Net Interest Margin6.88%
Return on Assets2.9%
Return on Equity24.91%
Interest Income$27.84 million

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Arrowhead Central Credit Union Savings Account Rates

0.35%$100-IRA Share Savings
0.35%$100-Roth IRA Share Savings
0.15%$5k-Arrowhead Savings
0.15%$5k-Club Rocky Savings
0.05%--Holiday Club

Arrowhead Central Credit Union Money Market Rates

0.30%$100k-Money Market

Arrowhead Central Credit Union Checking Account Rates

0.08%$25k-Consumer Dividend Checking

Arrowhead Central Credit Union CD Rates

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

1.40%$100k-60 Month IRA Certificate (Traditional,Roth)
1.05%$100k-48 Month IRA Certificate (Traditional,Roth)
0.70%$100k-36 Month IRA Certificate (Traditional,Roth)
0.55%$100k-24 Month IRA Certificate (Traditional,Roth)
0.40%$100k-12 Month IRA Certificate (Traditional,Roth)

Arrowhead Central Credit Union has 12 locations. Click to view all Arrowhead Central Credit Union locations.