ALTA VISTA
Charter #64531 · REDLANDS, CA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Cost of funds of 0.80% ranks in the 21st percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 1.13% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.57% sits at the 82nd percentile of structural peers — worth a closer look.
- Efficiency ratio of 91.34% sits at the 75th percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 10th percentile but its structural peers at the 33rd — a 23-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 | ALTA VISTA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $211.73M | 54th pct | 54th pct |
| Members | 11,782 | 43th pct | 44th pct |
| Net worth ratio | 8.70% | 10th pct | 33th pct |
| Return on average assets | 0.15% | 15th pct | 26th pct |
| Net interest margin | 3.71% | 54th pct | 66th pct |
| Cost of funds | 0.80% | 29th pct | 21th pct |
| Loan-to-share | 67.86% | 41th pct | 46th pct |
| Delinquency 60+ days | 1.13% | 81th pct | 79th pct |
| Net charge-off ratio | 0.57% | 70th pct | 82th pct |
| Loan growth YoY | -5.60% | 5th pct | 3th pct |
| Share growth YoY | -0.35% | 8th pct | 15th pct |
| Efficiency ratio | 91.34% | 88th pct | 75th pct |
structural peer set hash: ee3d2dff34f5cef7e8410352989fe1df… (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.