State credit union · REDLANDS, California · NCUA charter #64531
Alta Vista
Health score 75/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $212.6M
- Total assets
- 11,858
- Members
- 8.6%
- Net-worth ratio
Alta Vista - Share Insurance Coverage
Charter #64531's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Alta Vista - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)89
- Asset quality (delinquency)100
- Earnings (ROA)37
- Member growth21
- Liquidity (loan-to-share)96
Weighted composite: 75/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
8.62% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.62% | 30% |
| Delinquency Rate | 0.36% | 25% |
| Return on Assets | 0.02% | 15% |
| Member Growth | -3.27% | 15% |
| Loan-to-Share Ratio | 67.63% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $212.6M | 11,858 |
| 2024Q4 | $209.0M | 12,259 |
| 2023Q4 | $216.0M | 12,716 |
Credit Union Details
- Charter Number
- 64531
- Type
- State
- Field of Membership
- Other
- Peer Group
- $100M–$500M
- State
- California
- City
- REDLANDS
- Data Quarter
- 2025Q4
What This Data Says About Alta Vista
11,858 members and $212.6M in total assets sit behind Alta Vista, a state credit union in REDLANDS, California, which posts a health score of 75/100 (Very Good) on the five-factor composite, with $130.5M in outstanding loans as of Q4 2025 and a net worth ratio of 8.62% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #64531 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.36% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 67.63% loan-to-share ratio, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 0.02% on net income of $51K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -3.27%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Other) governs who can join. Before opening an account or borrowing, see our disclaimer for NCUSIF deposit-insurance coverage and how to use this data.
Nearby Credit Unions in California
A look at other California credit unions, ranked by how closely their peer group and asset size match this one.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Alta Vista financially healthy?
Alta Vista has a financial health score of 75/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 8.62% and delinquency rate of 0.36%.
How does Alta Vista compare to other credit unions?
75/100 is Alta Vista's score on PlainCU's health composite, compared to a peer group average for $100M–$500M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Alta Vista?
Membership eligibility for Alta Vista depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Alta Vista directly for current membership requirements and application steps.
Is my money safe at Alta Vista?
Federal credit unions like Alta Vista are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Alta Vista's net worth ratio of 8.62% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Alta Vista offer compared to banks?
Credit unions like Alta Vista are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Alta Vista directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.