Alta Vista Credit Union

1425 W Lugonia Ave
Redlands, CA 92374
(909) 809-3838
www.altavistacu.org

NCUA

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Alta Vista Credit Union is headquartered in SAN BERNARDINO and is the 130^th largest credit union in the state of California. It is also the 1,180^th largest credit union in the nation. It was established in 1943 and as of December of 2012, it had grown to 31 employees and 12,717 members. Alta Vista Credit Union has a 4-star health rating.

5.00% 5-Month CD at Alta Vista Credit Union in Southern California - 10/31/2008

Alta Vista Credit Union is having a Grand Opening CD with a 5.00% APY for a term of 5 months. The minimum deposit is $2,500, and new money is required. There's a link on the front page that points to the promotional page (pdf). The grand opening is...

$100 Checking Account Bonus at Alta Vista Credit Union in Southern California - 7/6/2008

Alta Vista Credit Union is offering a checking account bonus of up to $100. The first $50 requires that you open the Checking Account and use your VISA check card 8 times during the first 30 days. The second $50 requires signing up for Direct Deposit....

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See Rates for: Checking | Savings | Money Market | CD | IRA

Alta Vista Credit Union Checking Account Rates

	Apy	Min	Max	Product
	0.05%	$2,500	-	Platinum Checking

Alta Vista Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	$25	-	Regular Savings
0.10%	$25	-	Next Generation Savings
0.10%	$25	-	M3 Savings
0.10%	$25	-	Vista Savers Savings
0.10%	-	-	Holiday Club Savings

Alta Vista Credit Union Money Market Rates

Apy	Min	Max	Product
0.20%	$100k	-	Platinum Money Market
0.15%	$20k	-	Premier Money Market

Alta Vista Credit Union CD Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month Share Certificate
0.65%	$1k	-	36 Month Share Certificate
0.45%	$1k	-	24 Month Share Certificate
0.45%	$100	-	24 Month M3
0.25%	$1k	-	18 Month Share Certificate
0.15%	$1k	-	12 Month Share Certificate
0.15%	$100	-	12 Month Vista Savers
0.15%	$100	-	12 Month M3
0.10%	$1k	-	6 Month Share Certificate
0.10%	$100	-	6 Month Vista Savers
0.10%	$100	-	6 Month M3

Alta Vista Credit Union IRA Rates

Apy	Min	Max	Product
1.25%	$1k	-	60 Month IRA Share Certificate
1.25%	$1k	-	60 Month Roth IRA Share Certificate
0.65%	$1k	-	36 Month IRA Share Certificate
0.65%	$1k	-	36 Month Roth IRA Share Certificate
0.45%	$1k	-	24 Month IRA Share Certificate
0.45%	$1k	-	24 Month Roth IRA Share Certificate
0.25%	$1k	-	18 Month IRA Share Certificate
0.25%	$1k	-	18 Month Roth IRA Share Certificate
0.15%	$1k	-	12 Month IRA Share Certificate
0.15%	$1k	-	12 Month Roth IRA Share Certificate
0.10%	$1k	-	6 Month IRA Share Certificate
0.10%	$1k	-	6 Month Roth IRA Share Certificate

Rates updated: 5/19/2013

Data for Q4 2012

Institution Statistics

ALTA VISTA
NCUA #	64531
BankRate Report	View
Year Chartered	1943
Employees	31
Primary Regulator
Assets and Liabilities
Assets	$137.05 million
Loans	$38.65 million
Deposits	$120.54 million
Equity Capital	$10.90 million
Loan Loss Allowance	$1.23 million
Unbacked Noncurrent Loans	$371,000
Historic Data - December 2011
Assets	$142.17 million
Equity Capital	$10.78 million
Loan Loss Allowance	$2.06 million
Unbacked Noncurrent Loans	$419,000
Real Estate Owned	$45,000
Profit Margin - Quarterly
Net Interest Margin	6.89%
Return on Assets	0.12%
Return on Equity	1.47%
Interest Income	$3.94 million
Non-Interest Income	$2.64 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2012 Alta Vista Credit Union had $371,000 in non-current loans and owned real-estate with $12.13 million in equity and loan loss allowances on hand to cover it. This gives Alta Vista Credit Union a Texas Ratio of 3.06% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for Alta Vista Credit Union decreased slightly from 3.61% as of December 31, 2011 to 3.06% as of December 31, 2012, resulting in a positive change of 15.32%.This indicates that the balance sheet and financial strength for Alta Vista Credit Union has improved slightly in recent periods.
Deposit Growth
In the past year, Alta Vista Credit Union has decreased its total deposits by -$7.87 million, resulting in -6.13% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Alta Vista Credit Union has shown is poor.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Alta Vista Credit Union has $137.05 million in assets with $12.13 million in equity, resulting in a capitalization level of 8.85%, which is average.