ARROWHEAD CENTRAL CREDIT UNION

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1949

Legal Domicile

Principal Officer

DARIN WOINAROWICZ CEO

Phone

9093796897

Tax Period

2025-01-01 to 2025-03-25

ARROWHEAD CENTRAL CREDIT UNION, founded in 1949, is a mid-sized nonprofit that reported $46.8M in total revenue in fiscal year 2025. Revenue fell 68% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $9.9M, a strong 21% operating margin.

Mission

A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, ARROWHEAD CENTRAL CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS.

Program Service Accomplishments

Program 1

FINANCIAL SERVICES TO SOUTHERN CALIFORNIA AND CERTAIN PARTS OF NEVADA AND ARIZONA - AT MARCH 25, 2025 WE HAD 220,694 MEMBERS - 94,726 LOANS, AND 313,456 SHARE ACCOUNTS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $35,401,050

Investment Income $11,306,732

Other Revenue $46,862

TOTAL REVENUE $46,754,644

Expense Breakdown

Grants Paid $0

Salaries & Benefits $14,002,252

Fundraising Expenses $0

Other Expenses $22,838,658

TOTAL EXPENSES $36,840,910

Year-over-Year Comparison

	2025	2024	Change
Revenue	$46,754,644	$148,222,524	-0.7%
Expenses	$36,840,910	$124,680,079	-0.7%
Net Income	$9,913,734	$23,542,445	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

511

Volunteers

Governance Policies

✓ Conflict of Interest Policy

✓ Whistleblower Policy

✓ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$2,136,315

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS POTTER	BOARD CHAIRMAN	2.00	Director	$0	$0	$0
JOHN MCCORMACK	BOARD VICE CHAIRMAN	2.00	Director	$0	$0	$0
DAN HYNES	BOARD SECRETARY	2.00	Director	$0	$0	$0
PATRICIA COLE	BOARD TREASURER	2.00	Director	$0	$0	$0
BETH BOCKENHAUER	BOARD MEMBER	2.00	Director	$0	$0	$0
CATHLEEN FARRAR	BOARD MEMBER	2.00	Director	$0	$0	$0
JAMES HALE	BOARD MEMBER	2.00	Director	$0	$0	$0
TIM MCHARGUE	BOARD MEMBER	2.00	Director	$0	$0	$0
WAYNE THIES	BOARD MEMBER	2.00	Director	$0	$0	$0
SHERRY KENDRICK	BOARD MEMBER	2.00	Director	$0	$0	$0
ART GOMEZ	BOARD MEMBER	2.00	Director	$0	$0	$0
DARIN WOINAROWICZ	PRESIDENT/CEO	40.00	Officer	$737,381	$22,852	$760,233
ROBERTO MARTINEZ	EVP COO	40.00	Officer	$243,215	$16,254	$259,469
TANIOS SAWAYA	SVP CFO	40.00	Officer	$202,656	$16,715	$219,371
BRUCE PEARSON	EVP CHIEF LEGAL COUNSEL	40.00	Officer	$191,431	$16,285	$207,716
WILLIAM WAGNER	SVP CLO	40.00	Officer	$184,810	$15,622	$200,432
VAUGHN BOOK	SVP CIO	40.00	Officer	$172,378	$13,422	$185,800
ANN WADAGNOLO	SVP CRO	40.00	Officer	$143,323	$8,046	$151,369
RYAN WELLER	SVP CPO	40.00	Officer	$139,678	$12,247	$151,925

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$46,754,644	$36,840,910	No data	$9,913,734
2024	$148,222,524	$124,680,079	$2,472,833,903	$23,542,445
2023	$120,311,183	$111,323,765	$2,418,003,905	$8,987,418
2022	$102,317,660	$79,872,453	$2,418,300,884	$22,445,207
2021	$82,656,797	$65,576,707	$2,240,712,641	$17,080,090
2020	$80,987,327	$71,567,882	$1,919,166,564	$9,419,445
2019	$87,490,480	$70,947,854	$1,491,798,538	$16,542,626
2018	$77,572,906	$60,372,925	$1,322,565,611	$17,199,981