# ALTURA
Riverside, CA · NCUA charter 62799 · asset band $1-10B · latest filing 2024-09 · stopped filing after 2024-09 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/altura-62799

Who the members are: state charter, organized 1957, low-income designated, minority depository institution. 199,805 members of 7,468,648 potential (2.7% of the field); checking penetration 87% (share draft accounts per 100 members); loans per 100 members 48.

**Verdict on the desk:** this could be *ordinary*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $2.62B |
| Members | 199,805 (6.7% YoY) |
| Full-time staff | 395 |
| Net worth | $256.5M |
| Net worth ratio | 9.8% (p33 of band) |
| ROA (annualized) | 0.71% (p61 of band) |
| Total delinquency | 0.36% (p21 of band) |
| Net charge-offs (annualized) | 0.76% (p75 of band) |
| Loans / shares | 81% (p30 of band) |
| Cash / assets | 7.1% |
| Borrowings / assets | 8.91% |
| Net interest margin | 3.06% (p58 of band) |
| Operating expense / assets | 3.70% (p85 of band) |
| Vehicles % of loans | 43% (p80 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 20% |
| Third-party paper % of net worth | 60% (p24 of band) |
| Vehicle delinquency | 0.28% (p18 of band) |
| Vehicle NCO | 0.90% (p55 of band) |
| Repossessed % of vehicle book | 0.03% (p35 of band) |
| Real estate % of loans | 33% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 107% |
| Core shares % of member funds | 55% |
| Certificates % of member funds | 20% |
| Average share balance | $6,358 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 48% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $18,257 |
| Loans granted, annualized | $466.0M |

## Flags firing in the latest filing

- **leaning on borrowings** (`str_borrowings`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | 3rd-party paper>100% NW |  |
| 2016-06 | 3 | expense trap, auto monoline |  |
| 2016-09 | 4 | delinquency 2x band |  |
| 2016-12 | 3 |  | delinquency 2x band |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 3 |  | delinquency rising |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 |  | expense trap |
| 2018-06 | 3 | expense trap |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 2 |  | auto monoline |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | delinquency rising |  |
| 2020-06 | 3 | net worth falling | delinquency rising |
| 2020-09 | 1 |  | 3rd-party paper>100% NW, expense trap |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | charge-offs p90 | net worth falling, margin squeeze |
| 2022-03 | 1 | thin capital | charge-offs p90 |
| 2022-06 | 0 |  | thin capital |
| 2022-09 | 0 |  |  |
| 2022-12 | 1 | leaning on borrowings |  |
| 2023-03 | 2 | net worth falling |  |
| 2023-06 | 1 |  | net worth falling |
| 2023-09 | 2 | delinquency rising |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 1 |  | delinquency rising |
| 2024-06 | 1 |  |  |
| 2024-09 | 1 |  |  |

## 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 - American Banker](https://news.google.com/rss/articles/CBMiyAFBVV95cUxQN2ZfRHV3Z3psNnVOdWJaM2JnZF92Vkd5TEQySTloQVBXdVlzX0htSkY4VWFKLXA1dWI5MmZYRlMwUlVMODdYWXVxS3BfeTZ5UU5QdVZ1SkRTT0owSG1fQkxNNElKdnotLVZtQXI0RW55aC1IZ0JKRDg0anVUVVdnR3JEMVdGTy1hX1JkQ3Fka2RjUFJCeGliV2p5UDlsT3lHdTNvQk5VTnNXVG4tVExrMmhzaHVpVng0eUM1NGNwcllzN09qZVFNRA?oc=5) · American Banker
- 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=62799 (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/15.json (key "62799", 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=62799
- 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