Arrha

Springfield, MA · 2 · Charter #61189 · www.arrhacu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$159.5M
75th percentile
Members
9,850
68th percentile
Total loans
$127.2M
89th percentile
Total shares
$130.1M
73th percentile

Profitability

Return on assets
-1.47%
0th percentile
Net interest margin
2.65%
8th percentile
Efficiency ratio
86.01%
3th percentile
Non-interest income ratio
13.34%
31th percentile

Capital & Risk

Net worth ratio
7.00%
1th percentile
Delinquency rate
0.32%
78th percentile
Net charge-off rate
0.06%
89th percentile
Loan-to-share
97.81%
94th percentile

Growth

Member growth YoY
1.34%
73th percentile
Asset growth YoY
6.62%
74th percentile
Loan growth YoY
15.15%
94th percentile
Share growth YoY
15.25%
95th percentile

Operations

Members / branch
2,463
35th percentile
Assets / member
$16,195
64th percentile
Field of membership penetration
0.56%
6th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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