# ALTA VISTA
REDLANDS, CA · NCUA charter 64531 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/alta-vista-64531

Who the members are: state charter, organized 1943, low-income designated. 11,782 members of 4,769,007 potential (0.3% of the field); checking penetration 81% (share draft accounts per 100 members); loans per 100 members 37.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $211.7M |
| Members | 11,782 (-3.1% YoY) |
| Full-time staff | 42 |
| Net worth | $18.4M |
| Net worth ratio | 8.7% (p10 of band) |
| ROA (annualized) | 0.16% (p13 of band) |
| Total delinquency | 1.13% (p84 of band) |
| Net charge-offs (annualized) | 0.57% (p69 of band) |
| Loans / shares | 68% (p37 of band) |
| Cash / assets | 11.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.72% (p62 of band) |
| Operating expense / assets | 4.30% (p75 of band) |
| Vehicles % of loans | 16% (p15 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 37% |
| Third-party paper % of net worth | 42% (p37 of band) |
| Vehicle delinquency | 1.49% (p88 of band) |
| Vehicle NCO | 1.46% (p83 of band) |
| Repossessed % of vehicle book | 0.14% (p78 of band) |
| Real estate % of loans | 74% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 7% |
| Commercial % of net worth | 9% |
| Core shares % of member funds | 62% |
| Certificates % of member funds | 20% |
| Average share balance | $10,145 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $2.9M |
| Loans outstanding per 100 members | 37% |
| Loans granted per 100 members, annualized | 10% |
| Average loan balance | $29,640 |
| Loans granted, annualized | $27.8M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $2.9M outstanding purchased (15.8% of net worth), $52,258 sold and retained. Sold in 0 and bought in 0 of the last 8 quarters. Shares -0.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency rising** (`aq_dq_rising`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, repo signal, 3rd-party paper>100% NW |  |
| 2016-06 | 3 |  |  |
| 2016-09 | 3 |  |  |
| 2016-12 | 3 | net worth falling | repo signal |
| 2017-03 | 4 | delinquency rising |  |
| 2017-06 | 5 | charge-offs p90 |  |
| 2017-09 | 4 | repo signal | net worth falling, charge-offs p90 |
| 2017-12 | 6 | delinquency 2x band, charge-offs p90 |  |
| 2018-03 | 6 |  |  |
| 2018-06 | 3 |  | delinquency rising, repo signal, delinquency 2x band |
| 2018-09 | 5 | delinquency 2x band, delinquency rising |  |
| 2018-12 | 3 |  | delinquency 2x band, delinquency rising |
| 2019-03 | 3 |  |  |
| 2019-06 | 5 | net worth falling, losing money |  |
| 2019-09 | 3 |  | net worth falling, losing money |
| 2019-12 | 3 |  |  |
| 2020-03 | 6 | net worth falling, margin squeeze, members leaving |  |
| 2020-06 | 7 | loan book shrinking |  |
| 2020-09 | 8 | delinquency 2x band |  |
| 2020-12 | 8 |  |  |
| 2021-03 | 7 |  | delinquency 2x band |
| 2021-06 | 6 |  | net worth falling |
| 2021-09 | 6 |  |  |
| 2021-12 | 4 |  | margin squeeze, loan book shrinking |
| 2022-03 | 3 |  | charge-offs p90 |
| 2022-06 | 3 |  |  |
| 2022-09 | 2 |  | members leaving |
| 2022-12 | 3 | leaning on borrowings |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 4 | delinquency rising |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 4 | assets shrinking | leaning on borrowings |
| 2024-03 | 7 | losing money, members leaving, loan book shrinking |  |
| 2024-06 | 4 |  | 3rd-party paper>100% NW, losing money, loan book shrinking |
| 2024-09 | 5 | losing money |  |
| 2024-12 | 3 |  | delinquency rising, losing money |
| 2025-03 | 2 |  | assets shrinking |
| 2025-06 | 3 | net worth falling |  |
| 2025-09 | 1 |  | members leaving, net worth falling |
| 2025-12 | 2 | members leaving |  |
| 2026-03 | 3 | delinquency rising |  |

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

- 2022-03-16 [David Justice named CEO of Alta Vista Credit Union - CUInsight](https://news.google.com/rss/articles/CBMilgFBVV95cUxQSHVlTlhpWFBVbllxRGxnc0w3c1Rnc1RQaUtHNUZCWHA3ekswZW94Rl9MUi11UnZwUjk2M3NKR3NHWHl3TWRSaG1LRjJtVzhmbUFmNEJDakhzaFM4dTRkN0tkX3JhaVJNWldIbTJTcW9wM2Z2MHBLUXE3VU1Ea0dLbGV5MEh0ZmpJZ1lodUw3UVZHSlRRUUE?oc=5) · CUInsight
- 2019-09-05 [Seventy-five years of ‘caring’ at Alta Vista Credit Union - redlandscommunitynews.com](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOSGJ3ZldZYUhONnNETWp4MTc0c21mTklXYmpsM3E5YmpmOGwzQ0RLUHVmMmxIa25OYmhwSV9ndTFiYk1NTkE1cmpGU0xlS05BMl9LdVp2bjVhcTF0d0RydS1NSGZ0eWUzcUQ3amR0eEc3amlzVTdJeXZha1U2ZjFIQVdLVVlOYkJEc0p4TVBCNVJwb0JrSWIzejMxWUF6cG5pUDUyREFUcFJPdDRyU0p6VEhzU2wwdHRqWGpGa0RkTDk5NGtBOFZwejVjXzc4Vzdad1ZEaFZQbW9GMmRtZXB5SUliZ3MwNFk?oc=5) · redlandscommunitynews.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
- 2017-07-18 [How Alta Vista Credit Union employees helped families at Inland Empire Ronald McDonald House - Redlands Daily Facts](https://news.google.com/rss/articles/CBMi5wFBVV95cUxOaUlyTURMeXlMUS1wTlc0ZEV2SFNVb1liR1JFMzFHSXp2UkVmMzJEc0ZYOEprMjJYdG1mSFpmQWtTeFRVT2RWU1EtUFdQajRENGU5cVNMWWE2b0hWdlNWQTlCb3FwNWo0QzQ2b1NBeklIWS00Q3hXcFdHSE9MNXB0RzJpYVZTUkM5b1FTSl9fc0cyVUlYNU5ZRjJZNHNHSGNwYWRZTU1QcTFUdEltWkpIQ202dkU1RUlkVGdKc2FqM0NHZkxZNnRyOXpMRk80RnEzbkVreUdXcXZYaWkxcmJ1TGxpYWZ3dDA?oc=5) · Redlands Daily Facts
- 2020-08-26 [Alta Visa Credit Union finds next CEO in-house - American Banker](https://news.google.com/rss/articles/CBMimwFBVV95cUxOdVNRTkZXY3RDa1lXSWxQMWlBQktnZTRFdVVPZk1HcjBiSTVkWExCMzdUVE92NUNJWnlwekt2SzZIVVA1QVhNRkFRSGZVdHNqalBHOTdSVXEtTnBHZ0JMcG54N0ZEaUU4MEZfOEY4aGlfREpGRG05cTgwM0pQX1pYS0taNlNocTYydjBYcHZQODFPdnB3cldXNXhIOA?oc=5) · American Banker
- 2024-08-16 [Alta Vista Botanical Gardens marks 25 years since idea took root - San Diego Union-Tribune](https://news.google.com/rss/articles/CBMiswFBVV95cUxOYy13SUxydnlUQzFtdE5LNzkwT05MYWR2eklMa096RmNSeTNneUxibS1QWi1EdXZoWmZJcGJfLS1mS1VMdVpHcjl0SkNITVF4WWRKUzF4MVpQdktMUTltV1Y2QmE5QmNiWldwVjFSSm82am5LRWV2Y0M1ZkpqMkpCOV9UaEFxYm9mQVREeFMyLUJQamRTMk1oTkVFVGZhZ0NDN3NWQmUzUU9qX2pLMnVqUUpzNA?oc=5) · San Diego Union-Tribune
- 2018-12-04 [Loma Linda University Children’s Hospital patients create gingerbread village - Loma Linda University](https://news.google.com/rss/articles/CBMirAFBVV95cUxNeS0wMUM1UURTdEhwbm05RDBkZnF1YVBBejhrV2NXNlp0dWg3SGphOFgxUFExMWtKd2lOcTBLNW90MWxDdUtfcDhyOUFmeTZzZHRBU05LcDd3M1g2bGwwNkh1Q0s5eWhEVVV0NDRFbWxFSld4anAxRy10WGQ1OV9iZXZCNUdMZkZkb2NFckg5UEJ0Qm9Ud0xCX284V2lSbnpvekxyd2NZQ3RXc3J0?oc=5) · Loma Linda University
- 2025-09-04 [Hundreds gather to sip and savor at Redlands Cocktail Competition - Community Forward Redlands News](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNMTJUcUtENUJIWXc0YUs2TGRIX3pmV0dRWDNvckxFQmZIU29sd3ZDYnZLcFNWSWU2akhDWTk5TkE5OEIxcDloQTYzSlo4akM3WTA2UWlwVVFrRGo5WTZLNlBtQVFWOEdaYlZfc3pzOE9UWHBGdDVBbzVUdlRudkhHbkROOWNybzFlcFhzU0JWdkE3aS1oUmxfcDV5Q3RjSnc5VVIyWVB4NkhQNDA?oc=5) · Community Forward Redlands News

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=64531 (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/19.json (key "64531", 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=64531
- 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