Altaone
Ridgecrest, CA · Charter 5612 · Peer group: credit unions under $1B in assets in CA (n=62-63)
NCUA · 12 branches
Q2 2026
$967.2MAssets
$761.0MLoans
$872.2MShares
$88.9MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 54% of credit unions under $1B in assets in CA (rank 30 of 63).
- Widest gap: return on equity trails 76% of credit unions under $1B in assets in CA (rank 48 of 63).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.17%
Rank 48 of 63
Net Interest Margin
3.52%
Rank 31 of 63
Efficiency Ratio
80.11%
Rank 30 of 63
Equity / Assets
9.19%
Rank 42 of 63
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.17% | 0.17% | 0.56% | 1.17% | Beats 24% | 48 / 63 | |
| Return on Equity | 1.81% | 1.81% | 4.79% | 8.64% | Beats 24% | 48 / 63 | |
| Net Interest Margin | 3.52% | 3.18% | 3.49% | 3.98% | Beats 51% | 31 / 63 | |
| Efficiency Ratio | 80.11% | 70.58% | 81.25% | 89.21% | Beats 54% | 30 / 63 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.17% | 0.42% | 0.85% | Beats 37% | 40 / 62 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.19% | 8.61% | 10.56% | 14.01% | Beats 33% | 42 / 63 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.19% | 8.61% | 10.56% | 14.01% | Beats 33% | 42 / 63 | |
| Liquidity & Funding |
| Loans / Deposits | 87.24% | 53.46% | 72.75% | 85.33% | 82nd pctl | 11 / 62 | |
| Loans / Assets | 78.68% | 46.35% | 58.08% | 72.17% | 89th pctl | 7 / 63 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |