# ALTURA
Riverside, CA · NCUA charter 24969 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/altura-24969

Who the members are: federal charter, community charter, organized 1957, low-income designated, minority depository institution. 215,773 members of 7,559,368 potential (2.9% of the field); checking penetration 89% (share draft accounts per 100 members); loans per 100 members 46.

**Verdict on the desk:** this could be *ordinary*. Composite score 2 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.67B |
| Members | 215,773 (5.1% YoY) |
| Full-time staff | 418 |
| Net worth | $289.8M |
| Net worth ratio | 10.9% (p54 of band) |
| ROA (annualized) | 0.52% (p32 of band) |
| Total delinquency | 0.50% (p38 of band) |
| Net charge-offs (annualized) | 1.23% (p94 of band) |
| Loans / shares | 72% (p18 of band) |
| Cash / assets | 10.1% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.85% (p84 of band) |
| Operating expense / assets | 4.29% (p91 of band) |
| Vehicles % of loans | 41% (p79 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 23% |
| Third-party paper % of net worth | 58% (p26 of band) |
| Vehicle delinquency | 0.49% (p40 of band) |
| Vehicle NCO | 1.63% (p77 of band) |
| Repossessed % of vehicle book | 0.03% (p34 of band) |
| Real estate % of loans | 34% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 97% |
| Core shares % of member funds | 57% |
| Certificates % of member funds | 21% |
| Average share balance | $5,987 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.1M |
| Loans outstanding per 100 members | 46% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $17,267 |
| Loans granted, annualized | $460.1M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.1M outstanding purchased (0.7% of net worth), $0 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares 4.4% year over year.

## Flags firing in the latest filing

- **expense trap** (`earn_opex`)
- **charge-offs p90** (`aq_nco_high`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2024-12 | 1 | leaning on borrowings |  |
| 2025-03 | 0 |  | leaning on borrowings |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | expense trap |  |
| 2026-03 | 2 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-10-03 [Altura Credit Union Offers 0% Loans to Federal Workers During Shutdown - The Raincross Gazette](https://news.google.com/rss/articles/CBMipgFBVV95cUxQTmh1R0Nzbm5nQ29WU0wzZnF2OW9PbzhIZHg5OHJTOV80cGdDZDE0X1dWZXl3Tkp2YkxUOU5WMFUtYllCdTA1TWJkaTFWMU9UQl9EdllHOFQ0QlhnUWtOWHhyWWhsQThVRzVjNjQ0ZmYwUnZzd0VjYUh0V0lndlc0dG5ib2l5SFZLd0kxQVJLRWUwYjFDMjM5cDYzeDRGeDNGX2Nvem1n?oc=5) · The Raincross Gazette
- 2026-08-13 [Inland Empire Homebuyers, Small Businesses To Benefit From New Certification, Rep. Calvert Says - Patch](https://news.google.com/rss/articles/CBMiuAFBVV95cUxNcmlHUU5wRlJDbDNqSml3dHZueGZRVjZLcEQzT21uYnBpck1EVFZ0cVQ5RTR2MTVXMk5aM2k0ZUkwUkFBZHBZazVLTVFlMkNreC1majhBTW85VWwtYUJIaUltaHRVVXU4bW1JeDJQZmtHVlF2SXM1eG9qWkRBUFg3aGR2WjZuaFJqZGZSckpjYjFlSTR6bzNBMXpGeDZRR2h4THFGZXlVdEFqbHIxN0pRMkRoWkdnbUlP?oc=5) · Patch
- 2023-11-27 [Altura Credit Union selects Trevor Amezcua as Senior Vice President of Retail Operations - CUInsight](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQOTZ2cHE4SHotN2RDUndxbU5TeTdocTFRTUZ4Q2FMODdFWTF4MTU5YVJieXN3QUJQcDdPa1FiNm96OWEyOVBzc2hjckV3d1hIcEZ2NUlmYWp4dlhON25sT2NFVjVaLWROWWdJcHZxMEVDdkpRaFdmZnJuUllJLUw0d3VPRnc3WTZ5dllKc2RDYTN5b0M0WC1vRVd1OTVrNkhOS29iMDlQT2RnRjZUOWlZTVByWWU1b0RHbkJyZFJwTTBRU3Z5MEtpWQ?oc=5) · CUInsight
- 2017-12-27 [Amid booming millennial growth, Altura CU leaves CO-OP shared branching - americanbanker.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQN2ZfRHV3Z3psNnVOdWJaM2JnZF92Vkd5TEQySTloQVBXdVlzX0htSkY4VWFKLXA1dWI5MmZYRlMwUlVMODdYWXVxS3BfeTZ5UU5QdVZ1SkRTT0owSG1fQkxNNElKdnotLVZtQXI0RW55aC1IZ0JKRDg0anVUVVdnR3JEMVdGTy1hX1JkQ3Fka2RjUFJCeGliV2p5UDlsT3lHdTNvQk5VTnNXVG4tVExrMmhzaHVpVng0eUM1NGNwcllzN09qZVFNRA?oc=5) · americanbanker.com
- 2025-04-09 [America's Best Regional Banks and Credit Unions 2025 - California - Newsweek Rankings](https://news.google.com/rss/articles/CBMikgFBVV95cUxPbG82S28tWDRWcmVTSGtHM1A2ZDRvTjlrTUJGLUxudnBZSlZwNG5uSk12eFQ1M09ULTYtTFVaU3FJeFlEam53MHZqSDV5ZDRTUk9zRUJEVHBBbzVpRUxnV2s0VXFkc0lzZUxXS1A0YWZHaVMyNXE3Wm5RdG1qX2dBclE0cE5TaDZibmpuVkpiM3diUQ?oc=5) · Newsweek Rankings
- 2023-06-20 [Forbes 2026 America's Best Credit Unions In Each State List - Forbes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE9vRWJOaE5OZ1NrY3RJeUZnWS1yRXkwMUYzYllJMTN3VEQxTWtwNHJGdC1FejkwVF9UT045OWFhQ0NSWmtzTHBJeXZFSFdydTNuc2VyT3BjUGRLcmlWLWhaVHNJUVZMRHNt?oc=5) · Forbes
- 2018-06-08 [Altura Credit Union Pledges $600,000 To The Cheech Marin Center - inlandempire.us](https://news.google.com/rss/articles/CBMijwFBVV95cUxOQUEteFBUWGNaZG9xbGNYdFZvUDZEQndZbXJDbWlKeFQwbE9mOHM2SHptcVhVLWVaZVd0TGFUTUpmd3EzT1A1VWxTZlcyLUlUbjdKd0luclVROC1DTmhORjlTc1RYRExnTDZVOXlxLU05cnR1TEZOU0o3ckhndll2V1oyY3ZublF6Q3ZMUU1hUdIBjwFBVV95cUxOQUEteFBUWGNaZG9xbGNYdFZvUDZEQndZbXJDbWlKeFQwbE9mOHM2SHptcVhVLWVaZVd0TGFUTUpmd3EzT1A1VWxTZlcyLUlUbjdKd0luclVROC1DTmhORjlTc1RYRExnTDZVOXlxLU05cnR1TEZOU0o3ckhndll2V1oyY3ZublF6Q3ZMUU1hUQ?oc=5) · inlandempire.us
- 2023-12-11 [Riverside artist Cosme Cordova is subject of Altura Credit Union’s next film - pressenterprise.com](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOcjhzY2JkN0NHNmJYOTNJYVFZMlJvb2txQmI4ZFFaM0ZaZUh0am1ablc5dV9zUXlvR3ZWSnhFSjRCZFRxdW5WdWJVZHB2TnUtczhTa2pkYW85ei03TlpKZ1cxblI2M3M4azB5QUZ2ZGVJMmExM2s1MkVnQlRsUHFCbXNWM3dGVk4yNTd3aGZ0ZTk2MTFzeHhja1VWZnNXWXBQOEdhSGl3NlM2NlNnZ2FQVkc3V0pER3VNZzRR?oc=5) · pressenterprise.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24969 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/9.json (key "24969", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24969
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide