Arrowhead Federal Credit Union Rancho Cucamonga, California
Arrowhead Federal Credit Union is a federal credit union headquartered in Rancho Cucamonga, CA, established in 1949 (NCUA charter 24973), and it is regulated and insured by the NCUA. At Q2 2026 it reported 237,006 members and total assets of $2.93B (up 13.3% from Q2 2025), the 27th largest of 238 credit unions headquartered in California. Its net worth ratio was 11.36% at Q2 2026, in the well capitalized band.
Also written as Arrowhead FCU · Trade names filed with the NCUA: Desert Communities Credit Union and a Division of Arrowhead
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24973
- Headquarters
- Rancho Cucamonga, CA
- Established
- 1949
- Total assets, Q2 2026
- $2.93B
- Assets vs Q2 2025
- +13.3%
- Members, Q2 2026
- 237,006
- Net worth ratio, Q2 2026
- 11.36%
- Latest call report
- Q2 2026, NCUA 5300 · Arrowhead Federal Credit Union call report
- Asset rank in state
- 27th of 238 in California
- Routing number
- 322282603
- Branches
- 21
It has 14,461 more members than on June 30, 2025 (+6.5%). Its net worth ratio was down 0.36 percentage points from 11.72% on June 30, 2025. Used vehicle loans are its largest loan category, $601.4M of $1.45B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.90% is above the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 11.36% net worth ratio is above that band's 10.89% median.
Credit unions similar in size in California
Credit unions merged into Arrowhead Federal Credit Union
Valley Hills Federal Credit Union (2024) · Bourns Employees Federal Credit Union (2024) · Airco Federal Credit Union (2023) · Pacific Federal Credit Union (2022) · Peoples Independent Church Federal Credit Union (2021) · Desert Communities Federal Credit Union (2019) · Ocean Crest Federal Credit Union (2018) · Harbor Area Postal Employees Federal Credit Union (2017)
Frequently asked about Arrowhead Federal Credit Union
How big is Arrowhead Federal Credit Union?
At Q2 2026 it reported total assets of $2.93B and 237,006 members.
Where is Arrowhead Federal Credit Union headquartered?
It is headquartered in Rancho Cucamonga, CA, United States.
When was Arrowhead Federal Credit Union founded?
It was established in 1949, per NCUA records.
Is Arrowhead Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24973): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Arrowhead Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Arrowhead Federal Credit Union well capitalized?
Its net worth ratio was 11.36% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Arrowhead Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.90% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Arrowhead Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 59.80% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Rancho Cucamonga, CA 91730
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1949
- NCUA Charter #
- 24973
- RSSD ID
- 498894
- Members
- 237,006
- Potential members
- 6,367,314
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 11.36% | 10.89% | 57th above |
| Return on assets Middle half of peers: 0.59% to 1.25% | 0.62% | 0.89% | 27th below |
| Return on equity Middle half of peers: 5.37% to 10.92% | 5.42% | 8.07% | 26th below |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 4.16% | 3.45% | 90th top |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 72.31% | 70.59% | 44th below |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 0.90% | 1.68% | over 90th top |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.90% | 0.68% | 35th below |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 5.06% | 5.12% | 46th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 59.80% | 88.03% | under 10th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$2.93B total assets against $2.58B; $2.42B total shares and deposits against $2.24B; $1.45B total loans against $1.42B.
$332.2M net worth against $303.0M.
11.36% net worth ratio against 11.72%.
59.80% loan-to-share ratio against 63.41%.
0.90% delinquency ratio against 0.66%.
0.62% return on assets against 1.33%; 5.42% return on equity against 11.30%.
4.16% net interest margin against 4.70%.
237,006 members against 222,545.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 11.36% | 0.62% | 0.90% | 59.80% |
| March 31, 2026 | 11.28% | 1.13% | 0.85% | 59.47% |
| December 31, 2025 | 11.44% | 1.30% | 1.00% | 61.94% |
| September 30, 2025 | 11.78% | 1.40% | 0.78% | 62.62% |
| June 30, 2025 | 11.72% | 1.33% | 0.66% | 63.41% |
| March 31, 2025 | 11.35% | 1.53% | 0.67% | 62.59% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.