State credit union · REDLANDS, California · NCUA charter #64531
Alta Vista
Health score 75/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 75
- Health / 100
- $212.6M
- Total assets
- 11,858
- Members
- 8.7%
- Net-worth ratio
Alta Vista scores 75/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $212.6M; members 11,858; net-worth ratio 8.70%; health rank #3,296 of 4,374; healthier than 24th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,296 of 4,374 health · 2025Q4Alta Vista · health 75/100 · $212.6M · 2025Q4
Call Report peers
Alta Vista in the assets neighbourhood
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Alta Vista vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Alta Vista sits in 75-79 with 502 others.
75 24th percentile higher than 24% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Alta Vista
- Strongest edge vs 1069 $100M–$500M peers is Delinquency Rate: -0.53 pp (0.36% vs 0.89%).
- Loan-to-Share Ratio trails the peer set - 67.63% here, 72.20% peer average (-4.57 pp).
Alta Vista in California
- In California, health place is #192 of 243 on the same NCUA-ratio sort used nationally.
- Assets rank #118 of 243 inside California ($212.6M reported).
- California membership ordinal: #115 of 243.
- One place up in California, MERIWEST (#191) ties at 75/100; one place down, L. a. Mission (#193) scores 74/100, 1 point lower.
Alta Vista: 2025Q4 → 2026Q1
Alta Vista: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.4% from $212.6M (2025Q4) to $211.7M (2026Q1).
- Net-worth ratio shifted +0.07 pp (8.63% → 8.70%).
8.70% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 75/100 score is built
Alta Vista gives up 25 points in total. Member Growth costs the most, 11.9 of its 15; Delinquency Rate scores full marks.
- Net Worth Ratio 26.7 pts
- Delinquency Rate 25.0 pts
- Return on Assets 5.6 pts
- Member Growth 3.1 pts
- Loan-to-Share Ratio 14.6 pts
Alta Vista vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.70% | -3.41 pp |
| Delinquency Rate | 0.36% | -0.53 pp |
| Return on Assets | 0.02% | -0.60 pp |
| Member Growth | -3.27% | - |
| Loan-to-Share Ratio | 67.63% | -4.57 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $211.7M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, Alta Vista runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| LUGONIA BRANCH (Main Office) | REDLANDS, CA |
| Jack Henry - Symitar | Monett, MO |
| RIVERSIDE AVE BRANCH | RIALTO, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
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.
Other-state peers near Alta Vista
Similar total assets
Similar health score
Using this data
- Alta Vista ranks #3,296 of 4,374 nationally on financial health and #192 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- CLEARPATH is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with CLEARPATH
Frequently Asked Questions
Is Alta Vista financially healthy?
On its 2025Q4 NCUA 5300 filing, Alta Vista scores 75/100 (Very Good), with a 8.70% net worth ratio and 0.36% of loans delinquent. It ranks #3,296 of 4,374 nationally on health and #192 of 243 in California.
How does Alta Vista compare to other credit unions?
Alta Vista scores 75/100, higher than 24% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is delinquency rate (0.36% vs 0.89%). Its widest shortfall is loan-to-share ratio (67.63% vs 72.20%).
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?
Alta Vista is a state-chartered credit union; its shares are federally 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 8.70% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.