Arrowhead Credit Union
Legal name: Arrowhead Central Credit Union
Nonprofit profile at a glance
- EIN
- 951682200
- IRS 990 coverage
- 2010–2025
- Official website data refreshed
- Sep 2026
- Forms available
- Form 990 2025
- Location
- Rancho Cucamonga, CA, US
- Phone
- (800) 743-7228
- Rating confidence
- Limited
Reported finances
- Revenue
- $46,754,644
- Expenses
- $36,840,910
- Assets
- $0
- Liabilities
- $0
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
19 people listed
Executive titles in this filing
- DARIN WOINAROWICZ (PRESIDENT/CEO)
Highest reported compensation
- DARIN WOINAROWICZ (PRESIDENT/CEO): $760,233 total reported compensation
- ROBERTO MARTINEZ (EVP COO): $259,469 total reported compensation
- TANIOS SAWAYA (SVP CFO): $219,371 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
We are working hard to make our little slice of the world a better place to live by bringing our members the products and services that they need and providing world-class service from people who live right in our communities.
What it reported doing in 2025
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.
Operating model
- Revenue model
- Earned-program. 79% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
- The available evidence is not sufficient to produce an overall rating for this filing. This is not a warning sign.
Rating breakdown
- Financial Efficiency: NotEnoughData
- Transparency & Controls: 70
- Accountability: 91
- Sustainability: 42
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: Limited
- Program expense ratio: Limited
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 90.9%; rating input score 91; 7th percentile among comparable filings
- Pay-setting controls: 2 of 6 controls in place; rating input score 33
- Compensation committee: Missing
- Independent consultant: Missing
- Other Form 990s reviewed: Missing
- Written employment contract: Missing
- Compensation survey or study: Pass
- Board or committee approval: Pass
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 7 of 9 controls in place; rating input score 78
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: Pass
- Other executive compensation review process: Pass
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 21.2%; rating input score 77; 77th percentile among comparable filings
- Total-asset coverage ratio: 0; rating input score 0; 0th percentile among comparable filings
- Liabilities to assets ratio: Limited
- Officer compensation ratio: 5.8%; rating input score 51; 51st percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 3.7% per year; rating input score 100; 29th percentile among comparable filings
- Asset growth: 7% per year; rating input score 100; 50th percentile among comparable filings
Details
- What they do: 1 programs and campaigns described on the official site
- Where the money goes: Financial trends and filed revenue, expense, asset, and liability detail
- Governance: 11 of 11 board members independent · 7 of 9 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $760K · 19 people listed · 2 of 6 pay-setting controls reported
- Highest-paid contractors: 5 contractors listed · $2.5M reported
- Consistency: 8 of 8 current checks pass
- Schedules: 4 filed schedules · includes executive pay
- Filing history: 16 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Money network: 8 filed money-flow records
- Related organizations: 2 filed related-organization links
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
Grant-readiness screening is separate from the live rating, not a measure of program quality. Review the source records before making a grant decision.
- High — Sustainability: Total-asset coverage ratio scored 0/100.
- Review — Accountability: Governance controls: Independent financial-statement audit not reported.
- Review — Sustainability: Officer compensation ratio scored 51/100.
- Review — Grant Readiness: California registration: this organization could not be resolved against the register, so the check is unfinished.