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ARROWHEAD CENTRAL CREDIT UNION: Form 990, tax year 2025

View the entire original 990 at ProPublica ↗

Organization
ARROWHEAD CENTRAL CREDIT UNION (EIN 95-1682200)
Tax period
2025-01-01 to 2025-03-25
Filed
2026-02-17
IRS object ID
202610489349300941
Schema version
2025v4.0
Source
Download XML · Original 990 at ProPublica

Every field in the e-filed return. Faint text is the IRS element name, for citing.

Return header ReturnHeader

FieldValueIRS element (for citing)
Return2026-02-17T13:23:33-06:00ReturnTs
Tax Period End2025-03-25TaxPeriodEndDt

Preparer Firm PreparerFirmGrp

FieldValueIRS element (for citing)
Preparer Firm EIN954083485PreparerFirmEIN

Preparer Firm Name PreparerFirmName

FieldValueIRS element (for citing)
Business Name Line1TURNER WARREN HWANG & CONRAD ACCTCYBusinessNameLine1Txt

Preparer US Address PreparerUSAddress

FieldValueIRS element (for citing)
Address Line1100 NORTH FIRST ST STE 202AddressLine1Txt
CityBURBANKCityNm
State AbbreviationCAStateAbbreviationCd
ZIP91502ZIPCd
FieldValueIRS element (for citing)
Return Type990ReturnTypeCd
Tax Period Begin2025-01-01TaxPeriodBeginDt

Filer Filer

FieldValueIRS element (for citing)
EIN951682200EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD CENTRAL CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Business Name ControlARROBusinessNameControlTxt
Phone9093796897PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd

Business Officer BusinessOfficerGrp

FieldValueIRS element (for citing)
PersonTONY SAWAYAPersonNm
Person TitleSVP/CFOPersonTitleTxt
Phone9093796897PhoneNum
Signature2026-02-17SignatureDt
Discuss With Paid PreparerYes (1)DiscussWithPaidPreparerInd

Preparer Person PreparerPersonGrp

FieldValueIRS element (for citing)
Preparer PersonNATALIE HULL CPAPreparerPersonNm
PTINP00089332PTIN
Phone8189549700PhoneNum
FieldValueIRS element (for citing)
Tax2025TaxYr
Build TS2025-03-06 01:10:19ZBuildTS

Form 990 IRS990

FieldValueIRS element (for citing)
Final ReturnYes (X)FinalReturnInd
Principal OfficerDARIN WOINAROWICZ CEOPrincipalOfficerNm

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd
FieldValueIRS element (for citing)
Gross Receipts$47,248,604GrossReceiptsAmt
Group Return For Affiliates0GroupReturnForAffiliatesInd
Organization501cYes (X)Organization501cInd
Website AddressWWW.ARROWHEADCU.ORGWebsiteAddressTxt
Type Of Organization OtherYes (X)TypeOfOrganizationOtherInd
Other Organization DscCREDIT UNIONOtherOrganizationDsc
Formation1949FormationYr
Legal Domicile StateCALegalDomicileStateCd
Activity Or MissionA COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS.ActivityOrMissionDesc
Contract TerminationYes (X)ContractTerminationInd
Voting Members Governing Body11VotingMembersGoverningBodyCnt
Voting Members Independent11VotingMembersIndependentCnt
Total Employee511TotalEmployeeCnt
Total Volunteers13TotalVolunteersCnt
Total Gross UBI$224,504TotalGrossUBIAmt
Net Unrelated Bus Txbl Incm$0NetUnrelatedBusTxblIncmAmt
PY Contributions Grants$0PYContributionsGrantsAmt
CY Contributions Grants$0CYContributionsGrantsAmt
PY Program Service Revenue$122,164,668PYProgramServiceRevenueAmt
CY Program Service Revenue$35,401,050CYProgramServiceRevenueAmt
PY Investment Income$25,781,349PYInvestmentIncomeAmt
CY Investment Income$11,306,732CYInvestmentIncomeAmt
PY Other Revenue$276,507PYOtherRevenueAmt
CY Other Revenue$46,862CYOtherRevenueAmt
PY Total Revenue$148,222,524PYTotalRevenueAmt
CY Total Revenue$46,754,644CYTotalRevenueAmt
PY Grants And Similar Paid$276,349PYGrantsAndSimilarPaidAmt
CY Grants And Similar Paid$0CYGrantsAndSimilarPaidAmt
PY Benefits Paid To Members$0PYBenefitsPaidToMembersAmt
CY Benefits Paid To Members$0CYBenefitsPaidToMembersAmt
PY Salaries Comp Emp Bnft Paid$51,249,336PYSalariesCompEmpBnftPaidAmt
CY Salaries Comp Emp Bnft Paid$14,002,252CYSalariesCompEmpBnftPaidAmt
PY Total Prof Fndrsng Expns$0PYTotalProfFndrsngExpnsAmt
CY Total Prof Fndrsng Expns$0CYTotalProfFndrsngExpnsAmt
CY Total Fundraising Expense$0CYTotalFundraisingExpenseAmt
PY Other Expenses$73,154,394PYOtherExpensesAmt
CY Other Expenses$22,838,658CYOtherExpensesAmt
PY Total Expenses$124,680,079PYTotalExpensesAmt
CY Total Expenses$36,840,910CYTotalExpensesAmt
PY Revenues Less Expenses$23,542,445PYRevenuesLessExpensesAmt
CY Revenues Less Expenses$9,913,734CYRevenuesLessExpensesAmt
Total Assets BOY$2,472,833,903TotalAssetsBOYAmt
Total Assets EOY$0TotalAssetsEOYAmt
Total Liabilities BOY$2,192,082,991TotalLiabilitiesBOYAmt
Total Liabilities EOY$0TotalLiabilitiesEOYAmt
Net Assets Or Fund Balances BOY$280,750,912NetAssetsOrFundBalancesBOYAmt
Net Assets Or Fund Balances EOY$0NetAssetsOrFundBalancesEOYAmt
Info In Schedule O Part IIIYes (X)InfoInScheduleOPartIIIInd
MissionA 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.MissionDesc
Significant New Program Srvc0SignificantNewProgramSrvcInd
Significant Change0SignificantChangeInd
DescFINANCIAL 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.Desc
Described In Section501c30DescribedInSection501c3Ind
Schedule B Required0ScheduleBRequiredInd
Political Campaign Acty0PoliticalCampaignActyInd
Subject To Proxy Tax0SubjectToProxyTaxInd
Donor Advised Fund0DonorAdvisedFundInd
Conservation Easements0ConservationEasementsInd
Collections Of Art0CollectionsOfArtInd
Credit Counseling0CreditCounselingInd
Donor Rstr Or Quasi Endowments0DonorRstrOrQuasiEndowmentsInd
Report Land Building Equipment0ReportLandBuildingEquipmentInd
Report Investments Other Sec0ReportInvestmentsOtherSecInd
Report Program Related Invst0ReportProgramRelatedInvstInd
Report Other Assets0ReportOtherAssetsInd
Report Other Liabilities0ReportOtherLiabilitiesInd
Include FIN48 Footnote0IncludeFIN48FootnoteInd
Independent Audit Fincl Stmt0IndependentAuditFinclStmtInd
Consolidated Audit Fincl Stmt0ConsolidatedAuditFinclStmtInd
School Operating0SchoolOperatingInd
Foreign Office0ForeignOfficeInd
Foreign Activities0ForeignActivitiesInd
More Than5000 K To Org0MoreThan5000KToOrgInd
More Than5000 K To Individuals0MoreThan5000KToIndividualsInd
Professional Fundraising0ProfessionalFundraisingInd
Fundraising Activities0FundraisingActivitiesInd
Gaming Activities0GamingActivitiesInd
Operate Hospital0OperateHospitalInd
Grants To Organizations0GrantsToOrganizationsInd
Grants To Individuals0GrantsToIndividualsInd
Schedule J RequiredYes (1)ScheduleJRequiredInd
Tax Exempt Bonds0TaxExemptBondsInd
Loan Outstanding0LoanOutstandingInd
Grant To Related Person0GrantToRelatedPersonInd
Business Rln With Org Mem0BusinessRlnWithOrgMemInd
Business Rln With Fam Mem0BusinessRlnWithFamMemInd
Business Rln With35 Ctrl Ent0BusinessRlnWith35CtrlEntInd
Deductible Non Cash Contri0DeductibleNonCashContriInd
Deductible Art Contribution0DeductibleArtContributionInd
Terminate OperationsYes (1)TerminateOperationsInd
Partial Liquidation0PartialLiquidationInd
Disregarded Entity0DisregardedEntityInd
Related EntityYes (1)RelatedEntityInd
Related Organization Ctrl EntYes (1)RelatedOrganizationCtrlEntInd
Transaction With Control Ent0TransactionWithControlEntInd
Activities Conducted Prtshp0ActivitiesConductedPrtshpInd
Schedule O RequiredYes (1)ScheduleORequiredInd
IRP Document0IRPDocumentCnt
IRP Document W2 G0IRPDocumentW2GCnt
Employee511EmployeeCnt
Employment Tax Returns FiledYes (1)EmploymentTaxReturnsFiledInd
Unrelated Bus Incm Over LimitYes (1)UnrelatedBusIncmOverLimitInd
Form990 T FiledYes (1)Form990TFiledInd
Foreign Financial Account0ForeignFinancialAccountInd
Prohibited Tax Shelter Trans0ProhibitedTaxShelterTransInd
Taxable Party Notification0TaxablePartyNotificationInd
Nondeductible Contributions0NondeductibleContributionsInd
Indoor Tanning Services0IndoorTanningServicesInd
Subj To Tax Rmnrtn Ex Prcht Pymt0SubjToTaxRmnrtnExPrchtPymtInd
Subject To Excs Tax Net Invst Inc0SubjectToExcsTaxNetInvstIncInd
Info In Schedule O Part VIYes (X)InfoInScheduleOPartVIInd
Governing Body Voting Members11GoverningBodyVotingMembersCnt
Independent Voting Member11IndependentVotingMemberCnt
Family Or Business Rln0FamilyOrBusinessRlnInd
Delegation Of Mgmt Duties0DelegationOfMgmtDutiesInd
Change To Org DocumentsYes (1)ChangeToOrgDocumentsInd
Material Diversion Or Misuse0MaterialDiversionOrMisuseInd
Members Or StockholdersYes (1)MembersOrStockholdersInd
Election Of Board MembersYes (1)ElectionOfBoardMembersInd
Decisions Subject To ApprovaYes (1)DecisionsSubjectToApprovaInd
Minutes Of Governing BodyYes (1)MinutesOfGoverningBodyInd
Minutes Of CommitteesYes (1)MinutesOfCommitteesInd
Officer Mailing Address0OfficerMailingAddressInd
Local ChaptersYes (1)LocalChaptersInd
Policies Reference ChaptersYes (1)PoliciesReferenceChaptersInd
Form990 Provided To Gvrn BodyYes (1)Form990ProvidedToGvrnBodyInd
Conflict Of Interest PolicyYes (1)ConflictOfInterestPolicyInd
Annual Disclosure Covered PrsnYes (1)AnnualDisclosureCoveredPrsnInd
Regular Monitoring EnfrcYes (1)RegularMonitoringEnfrcInd
Whistleblower PolicyYes (1)WhistleblowerPolicyInd
Document Retention PolicyYes (1)DocumentRetentionPolicyInd
Compensation Process CEOYes (1)CompensationProcessCEOInd
Compensation Process OtherYes (1)CompensationProcessOtherInd
Investment In Joint Venture0InvestmentInJointVentureInd
States Where Copy Of Return Is FldCAStatesWhereCopyOfReturnIsFldCd
Other WebsiteYes (X)OtherWebsiteInd
Upon RequestYes (X)UponRequestInd

Books In Care Of Detail BooksInCareOfDetail

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1TONY SAWAYA SVPCFOBusinessNameLine1Txt
FieldValueIRS element (for citing)
Phone9093796897PhoneNum

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd

Form990 Part VII Section A Form990PartVIISectionAGrp (19 entries)

TitleTitleTxtAverage Hours Per WeekAverageHoursPerWeekRtAverage Hours Per Week Rltd OrgAverageHoursPerWeekRltdOrgRtIndividual Trustee Or DirectorIndividualTrusteeOrDirectorIndReportable Comp From OrgReportableCompFromOrgAmtReportable Comp From Rltd OrgReportableCompFromRltdOrgAmtOther CompensationOtherCompensationAmtOfficerOfficerInd
THOMAS POTTER
BOARD CHAIRMAN2.000.00Yes (X)$0$0$0
JOHN MCCORMACK
BOARD VICE CHAIRMAN2.000.00Yes (X)$0$0$0
DAN HYNES
BOARD SECRETARY2.000.00Yes (X)$0$0$0
PATRICIA COLE
BOARD TREASURER2.000.00Yes (X)$0$0$0
BETH BOCKENHAUER
BOARD MEMBER2.000.00Yes (X)$0$0$0
CATHLEEN FARRAR
BOARD MEMBER2.000.00Yes (X)$0$0$0
JAMES HALE
BOARD MEMBER2.000.00Yes (X)$0$0$0
TIM MCHARGUE
BOARD MEMBER2.000.00Yes (X)$0$0$0
WAYNE THIES
BOARD MEMBER2.000.00Yes (X)$0$0$0
SHERRY KENDRICK
BOARD MEMBER2.000.00Yes (X)$0$0$0
ART GOMEZ
BOARD MEMBER2.000.00Yes (X)$0$0$0
DARIN WOINAROWICZ
PRESIDENT/CEO40.00$737,381$0$22,852Yes (X)
ROBERTO MARTINEZ
EVP COO40.00$243,215$0$16,254Yes (X)
TANIOS SAWAYA
SVP CFO40.00$202,656$0$16,715Yes (X)
BRUCE PEARSON
EVP CHIEF LEGAL COUNSEL40.00$191,431$0$16,285Yes (X)
WILLIAM WAGNER
SVP CLO40.00$184,810$0$15,622Yes (X)
VAUGHN BOOK
SVP CIO40.00$172,378$0$13,422Yes (X)
ANN WADAGNOLO
SVP CRO40.00$143,323$0$8,046Yes (X)
RYAN WELLER
SVP CPO40.00$139,678$0$12,247Yes (X)
FieldValueIRS element (for citing)
Total Reportable Comp From Org$2,014,872TotalReportableCompFromOrgAmt
Tot Reportable Comp Rltd Org$0TotReportableCompRltdOrgAmt
Total Other Compensation$121,443TotalOtherCompensationAmt
Indiv Rcvd Greater Than100 K8IndivRcvdGreaterThan100KCnt
Former Ofcr Employees Listed0FormerOfcrEmployeesListedInd
Total Comp Greater Than150 KYes (1)TotalCompGreaterThan150KInd
Compensation From Other Srcs0CompensationFromOtherSrcsInd

Contractor Compensation ContractorCompensationGrp (5 entries)

Address Line1ContractorAddress/USAddress/AddressLine1TxtCityContractorAddress/USAddress/CityNmState AbbreviationContractorAddress/USAddress/StateAbbreviationCdZIPContractorAddress/USAddress/ZIPCdServicesServicesDescCompensationCompensationAmt
JACK HENRY & ASSOCIATES INC
PO BOX 609MONETTMO65708FINANCIAL TECHNOLOGY$722,741
ALKAMI TECHNOLOGY INC
5601 GRANITE PKWY STE 120PLANOTX75024DIGITAL BANKING$622,485
LOOMIS HOLDING US INC
DEPT 0757 PO BOX 120001DALLASTX75312CASH & COIN SERVICE FOR ATM'S$447,770
PALICON GROUP
3400 CENTRAL AVE SUITE 325RIVERSIDECA92506SECURITY GUARD SERVICES$390,880
BUSINESS DATA INC
321 N OAK STINGLEWOODCA90302DOCUMENT PRINTING AND DIGITAL DELIVERY S$301,618
FieldValueIRS element (for citing)
Cntrct Rcvd Greater Than100 K16CntrctRcvdGreaterThan100KCnt

Program Service Revenue ProgramServiceRevenueGrp (3 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmtUnrelated Business RevenueUnrelatedBusinessRevenueAmt
INTEREST ON LOANS522100$24,020,077$24,020,077
OTHER OPERATING INCOME522100$8,058,348$8,000,932$57,416
FEE INCOME522100$3,322,625$3,155,537$167,088
FieldValueIRS element (for citing)
Total Program Service Revenue$35,401,050TotalProgramServiceRevenueAmt

Investment Income InvestmentIncomeGrp

FieldValueIRS element (for citing)
Total Revenue Column$9,203,892TotalRevenueColumnAmt
Related Or Exempt Func Income$9,203,892RelatedOrExemptFuncIncomeAmt

Gross Amount Sales Assets GrossAmountSalesAssetsGrp

FieldValueIRS element (for citing)
Other$2,596,800OtherAmt

Less Cost Oth Basis Sales Expnss LessCostOthBasisSalesExpnssGrp

FieldValueIRS element (for citing)
Other$493,960OtherAmt

Gain Or Loss GainOrLossGrp

FieldValueIRS element (for citing)
Other$2,102,840OtherAmt

Net Gain Or Loss Investments NetGainOrLossInvestmentsGrp

FieldValueIRS element (for citing)
Total Revenue Column$2,102,840TotalRevenueColumnAmt
Related Or Exempt Func Income$2,102,840RelatedOrExemptFuncIncomeAmt

Other Revenue Misc OtherRevenueMiscGrp (3 entries)

DescDescBusinessBusinessCdTotal Revenue ColumnTotalRevenueColumnAmtRelated Or Exempt Func IncomeRelatedOrExemptFuncIncomeAmt
GAIN ON DISPOSITION OF522100$41,200$41,200
GAIN ON MARK-TO MARKET522100$2,916$2,916
GAIN ON SALES OF LOANS522100$2,746$2,746
FieldValueIRS element (for citing)
Other Revenue Total$46,862OtherRevenueTotalAmt

Total Revenue TotalRevenueGrp

FieldValueIRS element (for citing)
Total Revenue Column$46,754,644TotalRevenueColumnAmt
Related Or Exempt Func Income$46,530,140RelatedOrExemptFuncIncomeAmt
Unrelated Business Revenue$224,504UnrelatedBusinessRevenueAmt
Exclusion$0ExclusionAmt

Comp Current Ofcr Directors CompCurrentOfcrDirectorsGrp

FieldValueIRS element (for citing)
Total$2,014,872TotalAmt

Other Salaries And Wages OtherSalariesAndWagesGrp

FieldValueIRS element (for citing)
Total$9,336,780TotalAmt

Pension Plan Contributions PensionPlanContributionsGrp

FieldValueIRS element (for citing)
Total$525,934TotalAmt

Other Employee Benefits OtherEmployeeBenefitsGrp

FieldValueIRS element (for citing)
Total$1,079,402TotalAmt

Payroll Taxes PayrollTaxesGrp

FieldValueIRS element (for citing)
Total$1,045,264TotalAmt

Fees For Services Legal FeesForServicesLegalGrp

FieldValueIRS element (for citing)
Total$75,947TotalAmt

Fees For Services Accounting FeesForServicesAccountingGrp

FieldValueIRS element (for citing)
Total$75,727TotalAmt

Fees For Services Other FeesForServicesOtherGrp

FieldValueIRS element (for citing)
Total$106,141TotalAmt

Advertising AdvertisingGrp

FieldValueIRS element (for citing)
Total$327,129TotalAmt

Office Expenses OfficeExpensesGrp

FieldValueIRS element (for citing)
Total$4,139,596TotalAmt

Information Technology InformationTechnologyGrp

FieldValueIRS element (for citing)
Total$2,315,371TotalAmt

Occupancy OccupancyGrp

FieldValueIRS element (for citing)
Total$873,644TotalAmt

Travel TravelGrp

FieldValueIRS element (for citing)
Total$52,367TotalAmt

Interest InterestGrp

FieldValueIRS element (for citing)
Total$4,219,197TotalAmt

Depreciation Depletion DepreciationDepletionGrp

FieldValueIRS element (for citing)
Total$2,030,406TotalAmt

Insurance InsuranceGrp

FieldValueIRS element (for citing)
Total$180,960TotalAmt

Other Expenses OtherExpensesGrp (4 entries)

DescDescTotalTotalAmt
CREDIT LOSS EXPENSE$4,675,000
MISCELLANEOUS OPERATING$2,654,556
LOAN SERVICING EXPENSE$1,040,130
OPERATING FEES$72,487

Total Functional Expenses TotalFunctionalExpensesGrp

FieldValueIRS element (for citing)
Total$36,840,910TotalAmt

Cash Non Interest Bearing CashNonInterestBearingGrp

FieldValueIRS element (for citing)
BOY$103,010,956BOYAmt
EOY$0EOYAmt

Savings And Temp Cash Invst SavingsAndTempCashInvstGrp

FieldValueIRS element (for citing)
BOY$426,351,517BOYAmt
EOY$0EOYAmt

Pledges And Grants Receivable PledgesAndGrantsReceivableGrp

FieldValueIRS element (for citing)
EOY$0EOYAmt

Accounts Receivable AccountsReceivableGrp

FieldValueIRS element (for citing)
EOY$0EOYAmt

Receivables From Officers Etc ReceivablesFromOfficersEtcGrp

FieldValueIRS element (for citing)
BOY$41,957,051BOYAmt
EOY$0EOYAmt

Rcvbl From Disqualified Prsn RcvblFromDisqualifiedPrsnGrp

FieldValueIRS element (for citing)
EOY$0EOYAmt

Oth Notes Loans Receivable Net OthNotesLoansReceivableNetGrp

FieldValueIRS element (for citing)
EOY$0EOYAmt

Inventories For Sale Or Use InventoriesForSaleOrUseGrp

FieldValueIRS element (for citing)
EOY$0EOYAmt

Prepaid Expenses Defrd Charges PrepaidExpensesDefrdChargesGrp

FieldValueIRS element (for citing)
BOY$4,253,992BOYAmt
EOY$0EOYAmt
FieldValueIRS element (for citing)
Land Bldg Equip Cost Or Other Bss$0LandBldgEquipCostOrOtherBssAmt
Land Bldg Equip Accum Deprec$0LandBldgEquipAccumDeprecAmt

Land Bldg Equip Basis Net LandBldgEquipBasisNetGrp

FieldValueIRS element (for citing)
BOY$23,706,101BOYAmt
EOY$0EOYAmt

Investments Pub Traded Sec InvestmentsPubTradedSecGrp

FieldValueIRS element (for citing)
BOY$432,334,130BOYAmt
EOY$0EOYAmt

Investments Other Securities InvestmentsOtherSecuritiesGrp

FieldValueIRS element (for citing)
BOY$49,398BOYAmt
EOY$0EOYAmt

Investments Program Related InvestmentsProgramRelatedGrp

FieldValueIRS element (for citing)
BOY$1,379,961,189BOYAmt
EOY$0EOYAmt

Intangible Assets IntangibleAssetsGrp

FieldValueIRS element (for citing)
BOY$2,319,900BOYAmt
EOY$0EOYAmt

Other Assets Total OtherAssetsTotalGrp

FieldValueIRS element (for citing)
BOY$58,889,669BOYAmt
EOY$0EOYAmt

Total Assets TotalAssetsGrp

FieldValueIRS element (for citing)
BOY$2,472,833,903BOYAmt
EOY$0EOYAmt

Accounts Payable Accr Expnss AccountsPayableAccrExpnssGrp

FieldValueIRS element (for citing)
BOY$40,584,759BOYAmt
EOY$0EOYAmt

Other Liabilities OtherLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$2,151,498,232BOYAmt
EOY$0EOYAmt

Total Liabilities TotalLiabilitiesGrp

FieldValueIRS element (for citing)
BOY$2,192,082,991BOYAmt
EOY$0EOYAmt
FieldValueIRS element (for citing)
Org Does Not Follow FASB117Yes (X)OrgDoesNotFollowFASB117Ind

Cap Stk Tr Prin Current Funds CapStkTrPrinCurrentFundsGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Pd In Cap Srpls Land Bldg Eqp Fund PdInCapSrplsLandBldgEqpFundGrp

FieldValueIRS element (for citing)
BOY$0BOYAmt
EOY$0EOYAmt

Rtn Earn Endowment Incm Oth Fnds RtnEarnEndowmentIncmOthFndsGrp

FieldValueIRS element (for citing)
BOY$280,750,912BOYAmt
EOY$0EOYAmt

Total Net Assets Fund Balance TotalNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$280,750,912BOYAmt
EOY$0EOYAmt

Tot Liab Net Assets Fund Balance TotLiabNetAssetsFundBalanceGrp

FieldValueIRS element (for citing)
BOY$2,472,833,903BOYAmt
EOY$0EOYAmt
FieldValueIRS element (for citing)
Info In Schedule O Part XIYes (X)InfoInScheduleOPartXIInd
Reconcilation Revenue Expnss$9,913,734ReconcilationRevenueExpnssAmt
Net Unrlzd Gains Losses Invst$1,500,471NetUnrlzdGainsLossesInvstAmt
Other Changes In Net Assets-$292,165,117OtherChangesInNetAssetsAmt
Info In Schedule O Part XIIYes (X)InfoInScheduleOPartXIIInd
Method Of Accounting AccrualYes (X)MethodOfAccountingAccrualInd
Accountant Compile Or Review0AccountantCompileOrReviewInd
FS Audited0FSAuditedInd
Federal Grant Audit Required0FederalGrantAuditRequiredInd

Schedule J IRS990ScheduleJ

FieldValueIRS element (for citing)
Club Dues Or FeesYes (X)ClubDuesOrFeesInd
Written Policy Ref T And E ExpnssYes (1)WrittenPolicyRefTAndEExpnssInd
Substantiation RequiredYes (1)SubstantiationRequiredInd
Compensation SurveyYes (X)CompensationSurveyInd
Board Or Committee ApprovalYes (X)BoardOrCommitteeApprovalInd
Severance Payment0SeverancePaymentInd
Supplemental Nonqual Rtr PlanYes (1)SupplementalNonqualRtrPlanInd
Equity Based Comp Arrngm0EquityBasedCompArrngmInd

Rltd Org Officer Trst Key Empl RltdOrgOfficerTrstKeyEmplGrp (8 entries)

TitleTitleTxtBase Compensation Filing OrgBaseCompensationFilingOrgAmtCompensation Based On Rltd OrgsCompensationBasedOnRltdOrgsAmtBonus Filing OrganizationBonusFilingOrganizationAmountBonus Related OrganizationsBonusRelatedOrganizationsAmtOther Compensation Filing OrgOtherCompensationFilingOrgAmtOther Compensation Rltd OrgsOtherCompensationRltdOrgsAmtDeferred Compensation Flng OrgDeferredCompensationFlngOrgAmtDeferred Comp Rltd OrgsDeferredCompRltdOrgsAmtNontaxable Benefits Filing OrgNontaxableBenefitsFilingOrgAmtNontaxable Benefits Rltd OrgsNontaxableBenefitsRltdOrgsAmtTotal Compensation Filing OrgTotalCompensationFilingOrgAmtTotal Compensation Rltd OrgsTotalCompensationRltdOrgsAmtComp Report Prior990 Filing OrgCompReportPrior990FilingOrgAmtComp Report Prior990 Rltd OrgsCompReportPrior990RltdOrgsAmt
DARIN WOINAROWICZ
PRESIDENT/CEO$375,787$0$360,755$0$839$0$14,000$0$8,852$0$760,233$0$0$0
ROBERTO MARTINEZ
EVP COO$123,148$0$116,431$0$3,636$0$7,325$0$8,929$0$259,469$0$0$0
TANIOS SAWAYA
SVP CFO$101,704$0$96,156$0$4,796$0$7,914$0$8,801$0$219,371$0$0$0
BRUCE PEARSON
EVP CHIEF LEGAL COUNSEL$96,443$0$90,899$0$4,089$0$7,482$0$8,803$0$207,716$0$0$0
WILLIAM WAGNER
SVP CLO$93,330$0$88,240$0$3,240$0$7,263$0$8,359$0$200,432$0$0$0
VAUGHN BOOK
SVP CIO$88,296$0$80,282$0$3,800$0$6,608$0$6,814$0$185,800$0$0$0
ANN WADAGNOLO
SVP CRO$71,885$0$67,759$0$3,679$0$5,586$0$2,460$0$151,369$0$0$0
RYAN WELLER
SVP CPO$70,390$0$66,150$0$3,138$0$5,462$0$6,785$0$151,925$0$0$0

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I, LINE 4BFormAndLineReferenceDesc
ExplanationTHERE IS A SUPPLEMENTAL RETIREMENT PLAN FOR THE CEO. THE CREDIT UNION OWNS THE ASSETS IN THE PLAN AND THE FIRST VESTING DATE IS IN 2021. THE SECOND VESTING DATE IS IN 2031. THE CREDIT UNION PROVIDES SPLIT DOLLAR LIFE INSURANCE ARRANGEMENTS FOR THE FOLLOWING CURRENT EXECUTIVE: DARIN WOINAROWICZ,BRUCE PEARSON,ROBERT MARTINEZ,WILLIAM WAGNER,VAUGHN BOOK,RYAN WELLER AND ANN WADAGNOLO.ExplanationTxt

Schedule N IRS990ScheduleN

Liquidation Of Assets Table LiquidationOfAssetsTableGrp

Liquidation Of Assets Detail LiquidationOfAssetsDetail

FieldValueIRS element (for citing)
Assets Distri Or Expnss PaidTRANSFER OF NET ASSETSAssetsDistriOrExpnssPaidDesc
Distribution2025-03-25DistributionDt
Fair Market Value Of Asset$292,165,117FairMarketValueOfAssetAmt
Method Of FMV DeterminationBOOK VALUEMethodOfFMVDeterminationTxt
EIN951682200EIN

Business Name BusinessName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD CENTRAL CREDIT UNIONBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd
FieldValueIRS element (for citing)
IRC Section501(C)(1)IRCSectionTxt
FieldValueIRS element (for citing)
Director Of SuccessorYes (1)DirectorOfSuccessorInd
Employee Of SuccessorYes (1)EmployeeOfSuccessorInd
Owner Of Successor0OwnerOfSuccessorInd
Receive Compensation0ReceiveCompensationInd
Assets Distributed0AssetsDistributedInd
Required To Notify AGYes (1)RequiredToNotifyAGInd
Attorney General NotifiedYes (1)AttorneyGeneralNotifiedInd
Liabilities Paid0LiabilitiesPaidInd
Bonds Outstanding0BondsOutstandingInd

Supplemental Information Detail SupplementalInformationDetail

FieldValueIRS element (for citing)
Form And Line ReferencePART I, LINE 2E:FormAndLineReferenceDesc
ExplanationEXPLANATION OF INVOLVEMENT: ALL BOARD MEMBERS AND EMPLOYEES WILL KEEP THEIR ROLES AT ARROWHEAD CENTRAL CREDIT UNION. THE CREDIT UNION IS CONVERTING FROM A STATE CHARTER TO A FEDERAL CHARTER. NO TRANSFER OF ASSETS ACTUALLY TRANSPIRED. THE CREDIT UNION IS FILING A FINAL FORM 990 FOR THE TAX PERIOD THAT ENDED WITH THE CONVERSION TO A FEDERAL CHARTER AS IT IS NO LONGER SUBJECT TO FEDERAL TAX FILING QUIREMENTS AFTER THE CONVERSION TO A FEDERAL CHARTER.ExplanationTxt

Schedule O IRS990ScheduleO

Supplemental Information Detail SupplementalInformationDetail (11 entries)

Form And Line ReferenceFormAndLineReferenceDescExplanationExplanationTxt
FORM 990, PART VI, SECTION A, LINE 4EFFECTIVE MARCH 26, 2025, ARROWHEAD CENTRAL CREDIT UNION SUCCESSFULLY CONVERTED TO A FEDERAL CREDIT UNION AND IS NOW OPERATING UNDER A FEDERAL CHARTER REGULATED BY THE NATIONAL CREDIT UNION ADMINISTRATION (NCUA). IN ACCORDANCE WITH THIS CONVERSION, THE CREDIT UNION IS NOW RECOGNIZED AS A POLITICAL SUBDIVISION OF THE UNITED STATES AND IS THUS EXEMPT UNDER IRC SECTION 501(C)(1).
FORM 990, PART VI, SECTION A, LINE 6ARROWHEAD CENTRAL CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. ARROWHEAD CENTRAL CREDIT UNION DOES NOT HAVE STOCKHOLDERS.
FORM 990, PART VI, SECTION A, LINE 7ATHE GOVERNING BOARD OF ARROWHEAD CENTRAL CREDIT UNION IS COMPRISED OF VOLUNTEER MEMBERS WHO ARE DIRECTLY ELECTED BY ITS MEMBERS. EACH MEMBER OF THE GOVERNING BOARD SERVES FOR A PERIOD AS PRESCRIBED BY OUR BY-LAWS.
FORM 990, PART VI, SECTION A, LINE 7BAT THE END OF EACH TERM OF THE BOARD MEMBERS, ELECTIONS ARE HELD AND BOARD MEMBERS ARE VOTED BY THE MEMBERS OF THE CREDIT UNION PURSUANT TO ITS BY-LAWS. MEMBER VOTES ARE ALSO REQUIRED TO RATIFY DECISIONS DEALING WITH REORGANIZATIONS AS IN THE CASE OF MERGER OR DISSOLUTION.
FORM 990, PART VI, SECTION B, LINE 11BTHE RETURN PREPARER E-MAILS A DRAFT OF THE FORM 990 TO THE ORGANIZATION'S CFO FOR HIS REVIEW. THE CFO PRESENTS ANY QUESTIONS, COMMENTS, OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S AUTHORIZED INDIVIDUAL PRESENTS THE RETURN TO THE BOARD OF DIRECTORS AND SIGNS THE APPROPRIATE SIGNATURE FORM(S) TO AUTHORIZE THE ELECTRONIC FILING OF THE RETURN. A COPY OF THE FORM 990, AS FILED, IS PROVIDED BY THE RETURN PREPARER TO THE ORGANIZATION'S CEO OR OTHER DESIGNATED INDIVIDIUAL(S).
FORM 990, PART VI, SECTION B, LINE 12CFOR DIRECTORS, THE VOLUNTEER CODE OF PERSONAL AND BUSINESS CONDUCT (POLICY 1.16) (12 PAGES) REQUIRES ANNUAL, AT A MINIMUM, WRITTEN ACKNOWLEDGEMENT AND DISCLOSURE OF POTENTIAL CONFLICTS OF INTEREST. FOR OFFICERS AND KEY EMPLOYEES, THE EMPLOYEE HANDBOOK, GENERAL POLICIES, CODE OF PERSONAL AND BUSINESS CONDUCT (13 PAGES) REQUIRES DISCLOSURE OF OUTSIDE INTERESTS WHENEVER AN ACTIVITY MAY BE CONTRARY TO THE BEST INTEREST OF THE CREDIT UNION. ALL EMPLOYEES ARE REQUIRED TO SIGN A WRITTEN ACKNOWLEDGEMENT OF THE RECEIPT OF THE CODE OF PERSONAL AND BUSINESS CONDUCT AND OF ANY SUBSEQUENT CHANGES THERETO. VIOLATIONS MAY SUBJECT THE EMPLOYEE TO DISCIPLINARY MEASURES, UP TO AND INCLUDING TERMINATION.
FORM 990, PART VI, SECTION B, LINE 15THE BOARD OF DIRECTORS APPROVES THE COMPENSATION FOR THE CEO. THE CEO APPROVES THE COMPENSATION FOR THE EXECUTIVES. MARKET DATA IS USED TO DETERMINE COMPENSATION COMPARABILITY AMONG THE EXECUTIVES' SALARIES.
FORM 990, PART VI, SECTION C, LINE 19THE NCUA 5300 CALL REPORT IS AVAILABLE TO THE PUBLIC ON THE NCUA WEBSITE. THE CREDIT UNION'S FINANCIALS ARE POSTED AT EACH BRANCH LOCATION. ANY MEMBER MAY REQUEST TO SEE BOARD MEETING MINUTES.
FORM 990, PART XI, LINE 9:TRANSFER OF NET ASSETS DUE TO CONVERSION TO A FEDERAL CREDIT UNION -292,165,117.
FORM 990, PART XII, LINE 2CTHE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.
FORM 990, PAGE 1, BOX B - FINAL RETURNARROWHEAD CENTRAL CREDIT UNION CONVERTED TO A FEDERAL CHARTER EFFECTIVE MARCH 26, 2025. WITH THIS CONVERSION, THE ORGANIZATION, UNDER SECTION 501(C)(1), IS NO LONGER REQUIRED TO FILE ANNUAL INFORMATION RETURNS. AS SUCH, THIS IS THE FINAL TAX RETURN FOR THE PERIOD JANUARY 1, 2025 THROUGH MARCH 25,2025.

Schedule R IRS990ScheduleR

Id Related Tax Exempt Org IdRelatedTaxExemptOrgGrp

Disregarded Entity Name DisregardedEntityName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEART FOUNDATIONBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd
FieldValueIRS element (for citing)
EIN463720925EIN
Primary ActivitiesCHARITY FUNDPrimaryActivitiesTxt
Legal Domicile StateCALegalDomicileStateCd
Exempt Code Section501(C)(3)ExemptCodeSectionTxt
Public Charity StatusLINE 7PublicCharityStatusTxt

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD CENTRAL CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Controlled Organization0ControlledOrganizationInd

Id Related Org Txbl Corp Tr IdRelatedOrgTxblCorpTrGrp

Related Organization Name RelatedOrganizationName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD FINANCIAL GROUP INCBusinessNameLine1Txt

US Address USAddress

FieldValueIRS element (for citing)
Address Line18686 HAVEN AVENUEAddressLine1Txt
CityRANCHO CUCAMONGACityNm
State AbbreviationCAStateAbbreviationCd
ZIP91730ZIPCd
FieldValueIRS element (for citing)
EIN330082959EIN
Primary ActivitiesINSURANCEPrimaryActivitiesTxt
Legal Domicile StateCALegalDomicileStateCd

Direct Controlling Entity Name DirectControllingEntityName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD CENTRAL CREDIT UNIONBusinessNameLine1Txt
FieldValueIRS element (for citing)
Entity TypeCEntityTypeTxt
Share Of Total Income-$6,052ShareOfTotalIncomeAmt
Share Of EOY Assets$462,312ShareOfEOYAssetsAmt
Ownership1.00000OwnershipPct
Controlled Organization0ControlledOrganizationInd
FieldValueIRS element (for citing)
Receipt Of Int Annts Rnts Rylts0ReceiptOfIntAnntsRntsRyltsInd
Gift Grnt Or Cap Contri To Oth Org0GiftGrntOrCapContriToOthOrgInd
Gift Grnt Cap Contri From Oth Org0GiftGrntCapContriFromOthOrgInd
Loans Or Guarantees To Other Org0LoansOrGuaranteesToOtherOrgInd
Loans Or Guarantees From Oth Org0LoansOrGuaranteesFromOthOrgInd
Div Related Organization0DivRelatedOrganizationInd
Asset Sale To Other Org0AssetSaleToOtherOrgInd
Asset Purchase From Other Org0AssetPurchaseFromOtherOrgInd
Asset Exchange0AssetExchangeInd
Rental Of Facilities To Oth Org0RentalOfFacilitiesToOthOrgInd
Rental Of Fclts From Oth Org0RentalOfFcltsFromOthOrgInd
Perform Of Services For Oth Org0PerformOfServicesForOthOrgInd
Perform Of Services By Other Org0PerformOfServicesByOtherOrgInd
Sharing Of Facilities0SharingOfFacilitiesInd
Paid Employees Sharing0PaidEmployeesSharingInd
Reimbursement Paid To Other Org0ReimbursementPaidToOtherOrgInd
Reimbursement Paid By Other OrgYes (1)ReimbursementPaidByOtherOrgInd
Transfer To Other Org0TransferToOtherOrgInd
Transfer From Other Org0TransferFromOtherOrgInd

Transactions Related Org TransactionsRelatedOrgGrp

Other Organization Name OtherOrganizationName

FieldValueIRS element (for citing)
Business Name Line1ARROWHEAD FINANCIAL GROUP INCBusinessNameLine1Txt
FieldValueIRS element (for citing)
Transaction TypeQTransactionTypeTxt
Involved$0InvolvedAmt
Method Of Amount DeterminationAMOUNT BELOW THRESHOLDMethodOfAmountDeterminationTxt