Federal credit union · Ridgecrest, California · NCUA charter #5612
ALTAONE
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $962.0M
- Total assets
- 53,057
- Members
- 9.1%
- Net-worth ratio
ALTAONE scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $962.0M; members 53,057; net-worth ratio 9.07%; health rank #3,491 of 4,374; healthier than 20th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,491 of 4,374 health · 2025Q4ALTAONE · health 72/100 · $962.0M · 2025Q4
Call Report peers
ALTAONE in the assets neighbourhood
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ALTAONE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALTAONE sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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 ALTAONE
- Largest favorable gap: Loan-to-Share Ratio at 87.22% vs peer 83.90% (+3.32 pp).
- Net Worth Ratio trails the peer set - 9.07% here, 11.18% peer average (-2.11 pp).
California standing for ALTAONE
- California health ordinal: #204 of 243.
- By total assets, ALTAONE is #67 of 243 in California.
- Member book place in California: #64 of 243.
- One place up in California, Community First (#203) ties at 72/100; one place down, JACOM (#205) scores 71/100, 1 point lower.
How ALTAONE's 5300 filing moved
ALTAONE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.2% from $962.0M (2025Q4) to $974.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (9.16% → 9.07%).
9.07% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 72/100 score is built
ALTAONE gives up 28 points in total. Member Growth costs the most, 15 of its 15; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 27.7 pts
- Delinquency Rate 22.4 pts
- Return on Assets 6.5 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.4 pts
ALTAONE health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.07% | -2.11 pp |
| Delinquency Rate | 0.76% | -0.12 pp |
| Return on Assets | 0.04% | -0.46 pp |
| Member Growth | -9.13% | - |
| Loan-to-Share Ratio | 87.22% | +3.32 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ALTAONE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $974.0M | - |
| 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
Branch Locations (12)
ALTAONE operates 12 offices across 10 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate (Main Office) | Ridgecrest, CA |
| Ming | Bakersfield, CA |
| Riverwalk | Bakersfield, CA |
| Bishop | Bishop, CA |
| Boron | Boron, CA |
| Cal City | California City, CA |
| Base | China Lake, CA |
| Kernville | Kernville, CA |
| Lake Isabella | Lake Isabella, CA |
| Lone Pine | Lone Pine, CA |
| Ridgecrest - North | Ridgecrest, CA |
| Tehachapi Tucker Road | Tehachapi, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
More federally-insured credit unions based in California, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Using this data
- ALTAONE ranks #3,491 of 4,374 nationally on financial health and #204 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Water and Power Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Water and Power Community
Frequently Asked Questions
Is ALTAONE financially healthy?
On its 2025Q4 NCUA 5300 filing, ALTAONE scores 72/100 (Very Good), with a 9.07% net worth ratio and 0.76% of loans delinquent. It ranks #3,491 of 4,374 nationally on health and #204 of 243 in California.
How does ALTAONE compare to other credit unions?
ALTAONE scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (87.22% vs 83.90%). Its widest shortfall is net worth ratio (9.07% vs 11.18%).
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?
ALTAONE is a federal 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. ALTAONE's net worth ratio of 9.07% 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.