Federal credit union · Ridgecrest, California · NCUA charter #5612
Altaone
Health score 67/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 67
- Health / 100
- $962.0M
- Total assets
- 53,057
- Members
- 7.1%
- Net-worth ratio
Altaone - Share Insurance Coverage
Charter #5612'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.
Altaone - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)76
- Asset quality (delinquency)90
- Earnings (ROA)43
- Member growth0
- Liquidity (loan-to-share)100
Weighted composite: 67/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
7.08% 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 | 7.08% | 30% |
| Delinquency Rate | 0.76% | 25% |
| Return on Assets | 0.04% | 15% |
| Member Growth | -9.13% | 15% |
| Loan-to-Share Ratio | 87.22% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $962.0M | 53,057 |
| 2024Q4 | $932.7M | 58,385 |
| 2023Q4 | $823.7M | 56,796 |
Credit Union Details
- Charter Number
- 5612
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Ridgecrest
- Data Quarter
- 2025Q4
What This Data Says About Altaone
Charter #5612, peer group Over $500M, a cohort of 749 similarly-sized institutions: that's Altaone, a federal credit union in Ridgecrest, California with 53,057 members, $962.0M in total assets, and $756.0M in outstanding loans as of Q4 2025. The five-factor composite scores it 67/100 (Good), helped by a net worth ratio of 7.08% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.76% delinquency rate (loans 60+ days past due against the total book) - the peer group average for Over $500M credit unions sits at 0.874%, so this institution is running tighter than peers - and a 87.22% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.04% on net income of $417K 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 -9.13%. These figures come from the 2025Q4 NCUA 5300 Call Report, filed on a quarterly cadence. The stated field of membership (currently: Community) 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
More federally-insured credit unions based in California, ordered by peer group match and asset size.
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 Altaone financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Altaone carries a financial health score of 67/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 7.08% net worth ratio and a 0.76% delinquency rate.
How does Altaone compare to other credit unions?
On PlainCU's health composite, Altaone lands at 67/100, compared to a peer group average for Over $500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 Altaone?
Altaone operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Altaone directly for the exact boundaries and application steps.
Is my money safe at Altaone?
Federal credit unions like Altaone 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. Altaone's net worth ratio of 7.08% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Altaone offer compared to banks?
Credit unions like Altaone 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 Altaone 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.