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

Arrowhead Central Credit Union is headquartered in San Bernardino and is the 46th largest credit union in the state of California. It is also the 280th largest credit union in the nation. It was established in 1949 and as of March of 2014, it had grown to 232 employees and 116,912 members. Arrowhead Central Credit Union has a A+ health rating.

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 Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Arrowhead Central Credit Union had $1.89 million in non-current loans and owned real-estate with $114.21 million in equity and loan loss allowances on hand to cover it. This gives Arrowhead Central Credit Union a Texas Ratio of 1.65% 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 7.40% as of March 31, 2013 to 1.65% as of March 31, 2014, resulting in a positive change of 77.63%.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 $51.4 million, resulting in 7.88% 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 $820.67 million in assets with $114.21 million in equity, resulting in a capitalization level of 13.92%, which is excellent.

Institution Statistics

NCUA #60700
Year Chartered1949
Primary Regulator
Assets and Liabilities
Assets$820.67 million
Loans$372.37 million
Deposits$703.95 million
Equity Capital$94.19 million
Loan Loss Allowance$20.02 million
Unbacked Noncurrent Loans$1.33 million
Real Estate Owned$562,000
Historic Data - March 2013
Assets$754.74 million
Equity Capital$69.22 million
Loan Loss Allowance$27.31 million
Unbacked Noncurrent Loans$1.33 million
Real Estate Owned$298,000
Profit Margin - Quarterly
Return on Assets2.07%
Return on Equity18.03%
Interest Income$6.69 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
0.25%-$1,500Retirement Builder 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
1.05%$100k-48 Month IRA Certificate
0.70%$100k-36 Month IRA Certificate
0.55%$100k-24 Month IRA Certificate
0.40%$100k-12 Month IRA Certificate

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