ALTAONE
Charter #5612 · Ridgecrest, CA · $500M-$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 9.07% sits at the 23rd percentile of structural peers — worth a closer look.
- Return on average assets of 0.09% sits at the 11th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.37% sits at the 97th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 97th percentile but its structural peers at the 39th — a 58-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 | ALTAONE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $974.03M | 97th pct | 39th pct |
| Members | 53,583 | 79th pct | 31th pct |
| Net worth ratio | 9.07% | 19th pct | 23th pct |
| Return on average assets | 0.09% | 9th pct | 11th pct |
| Net interest margin | 3.48% | 47th pct | 43th pct |
| Cost of funds | 1.57% | 57th pct | 52th pct |
| Loan-to-share | 85.98% | 65th pct | 51th pct |
| Delinquency 60+ days | 0.59% | 50th pct | 46th pct |
| Net charge-off ratio | 1.37% | 94th pct | 97th pct |
| Loan growth YoY | -0.55% | 31th pct | 25th pct |
| Share growth YoY | 1.33% | 15th pct | 18th pct |
| Efficiency ratio | 79.09% | 55th pct | 49th pct |
structural peer set hash: 1366c691b5837c42a8e425944162152e… (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.