Federal credit union · Riverside, California · NCUA charter #24969
ALTURA
Health score 99/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 99
- Health / 100
- $2.57B
- Total assets
- 212,477
- Members
- 10.9%
- Net-worth ratio
ALTURA scores 99/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.57B; members 212,477; net-worth ratio 10.87%; health rank #62 of 4,374; healthier than 98th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#62 of 4,374 health · 2025Q4ALTURA · health 99/100 · $2.57B · 2025Q4
- ASSETS 99/100
- MEM 10.9%
- RANK 0.61%
- PHOTO 0.74%
- BOOK $2.57B
- CHARTER 212,477
- NCUSIF #62/4,374
- CAMELS Andrews Federal Credit Union
- HEALTH 24969
Call Report peers
ALTURA in the assets neighbourhood
ALTURA's $2.57B assets sit next to Andrews Federal Credit Union ($2.57B) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALTURA vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
99 Top 2% higher than 98% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALTURA - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24969: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Peer-gap read for ALTURA
- Delinquency Rate leads the peer set - 0.61% here, 0.87% peer average (-0.26 pp).
- Loan-to-Share Ratio trails the peer set - 74.40% here, 83.90% peer average (-9.50 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
ALTURA: in-state Call Report ranks
- California health ordinal: #6 of 243.
- California assets place: #29 of 243.
- California membership ordinal: #16 of 243.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALTURA: 2025Q4 → 2026Q1
ALTURA: total assets by quarter
3 Call Report filings on this page's own vintage chain
- Assets moved +3.7% from $2.57B (2025Q4) to $2.67B (2026Q1).
- Net-worth ratio shifted -0.27 pp (11.14% → 10.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 10.87% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 99/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 99.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 15.1 pts
Call Report ratios for ALTURA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.87% | -0.31 pp |
| Delinquency Rate | 0.61% | -0.26 pp |
| Return on Assets | 0.74% | +0.23 pp |
| Member Growth | 5.26% | - |
| Loan-to-Share Ratio | 74.40% | -9.50 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
Call Report history - ALTURA
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.67B | - |
| 2025Q4 | $2.57B | 212,477 |
| 2024Q4 | $2.58B | 201,859 |
Credit Union Details
- Charter Number
- 24969
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- California
- City
- Riverside
- Data Quarter
- 2025Q4
Branch Locations (24)
The NCUA branch filing lists 24 physical offices for ALTURA, spread across 15 cities.
| Office | City |
|---|---|
| Altura Credit Union - Operation & Technology Center (Main Office) | Riverside, CA |
| Sun Lakes Branch 27 | Banning, CA |
| Coachella Branch 12 | Coachella, CA |
| Corona Plaza Branch 11 | Corona, CA |
| Corona - Lincoln 24 | Corona, CA |
| Eastvale Branch 19 | Eastvale, CA |
| West Hemet Branch 16 | Hemet, CA |
| Indio Branch 7 | Indio, CA |
| Cactus Branch 21 | Moreno Valley, CA |
| Stoneridge Branch 22 | Moreno Valley, CA |
| Murrieta Branch 13 | Murrieta, CA |
| Silverhawk Branch 28 | Murrieta, CA |
| Sunrise Branch 30 | Palm Springs, CA |
| Perris Branch 20 | Perris, CA |
| Rancho Mirage Branch 2 | Rancho Mirage, CA |
| Riverside Avenue Branch 1 | Riverside, CA |
| Canyon Springs Branch 4 | Riverside, CA |
| 14th Street Branch 6 | Riverside, CA |
| Magnolia Branch 10 | Riverside, CA |
| University Branch 15 | Riverside, CA |
| Woodcrest Branch 17 | Riverside, CA |
| San Jacinto Branch 18 | San Jacinto, CA |
| Sun City Branch 31 | Sun City, CA |
| Bear Creek Branch 29 | Wildomar, 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.
Cross-state Call Report peers for ALTURA
ALTURA's nationwide photo peers by assets and by health score, excluding California charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($2.57B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (99/100 here).
Using this data
- ALTURA ranks #62 of 4,374 nationally on financial health and #6 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Firefighters First is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Firefighters First
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALTURA financially healthy?
Yes/no aside, the number is 99/100 (Excellent) - ALTURA's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #62 of 4,374; by total assets it ranks #202 of 4,374 nationally (same basis as /rankings/largest); and #29 of 243 within California. Above 80 reads excellent, below 50 warrants closer monitoring; a 10.87% net worth ratio and 0.61% delinquency rate are the key drivers.
How does ALTURA compare to other credit unions?
On PlainCU's health composite, ALTURA lands at 99/100, 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 ALTURA?
ALTURA 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 ALTURA directly for the exact boundaries and application steps.
Is my money safe at ALTURA?
Federal credit unions like ALTURA 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. ALTURA's net worth ratio of 10.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALTURA offer compared to banks?
Credit unions like ALTURA 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 ALTURA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.