ALTURA
Charter #24969 · Riverside, CA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 215,773 ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.92% ranks in the 90th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.86% ranks in the 5th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 1.23% sits at the 95th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 59th percentile but its structural peers at the 77th — a 18-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | ALTURA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.67B | 59th pct | 77th pct |
| Members | 215,773 | 75th pct | 89th pct |
| Net worth ratio | 10.87% | 52th pct | 59th pct |
| Return on average assets | 0.53% | 32th pct | 34th pct |
| Net interest margin | 3.92% | 86th pct | 90th pct |
| Cost of funds | 0.86% | 18th pct | 5th pct |
| Loan-to-share | 72.07% | 18th pct | 31th pct |
| Delinquency 60+ days | 0.50% | 37th pct | 38th pct |
| Net charge-off ratio | 1.23% | 93th pct | 95th pct |
| Loan growth YoY | -0.22% | 24th pct | 29th pct |
| Share growth YoY | 4.53% | 58th pct | 68th pct |
| Efficiency ratio | 72.44% | 50th pct | 41th pct |
structural peer set hash: 5676f88be94c0953f8162ded55cfdf4f… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.