ARRHA Credit Union Profile

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ARRHA

Charter #61189 | NCUA Region 1 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (413) 732-9812

Fax: (413) 737-7635

Founding Date: N/A

Website: http://www.arrhacu.com

Personnel & Operations

President: Cieplinski, Todd

Manager: Ostrowski, Michael

FT Employees: 27

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 4

Hours: Monday - Thursday 9:00 am to 5:00 pm Frida

Credit Union Profile Summary

ARRHA is a FISCU Credit Union. With a total of 9,332 members [1], this institution manages approximately $165,329,528 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 7.74% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 10.94% [1].

Financial Snapshot

Total Assets [1]
$165,329,528

Total economic resources.

Total Loans [1]
$122,405,103

Total value of outstanding loans.

Total Deposits [1]
$138,853,865

Total funds deposited by members.

Members [1]
9,332

Number of active members.

Performance Ratios

Net Worth Ratio [1]
7.74%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
-0.27%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
88.15%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 11.96%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 10.94%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -1.31%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

145 Industry Ave

Springfield, MA, 01104-3222
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 3 branches reported by ARRHA (Charter #61189).

Main Office

Springfield Office Main Office

Type: Corporate Office

145 Industry Ave

Springfield, MA 01104-3222

Phone: (413) 732-9812

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Enfield

231 Hazard Avenue

Type: Branch Office

231 Hazard Ave

Enfield, CT 06082-4647

Phone: (860) 698-0969

Services: Drive-Thru

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West Springfield

63 Park Avenue

Type: Branch Office

63 Park Ave

West Springfield, MA 01089-3303

Phone: (413) 562-4092

Services: Member Services, ATM, Drive-Thru

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