Altura Credit Union

2847 Campus Parkway
Riverside, CA 92507
(888) 883-7228
www.alturacu.com

NCUA

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Altura Credit Union is headquartered in Riverside and is the 56^th largest credit union in the state of California. It is also the 319^st largest credit union in the nation. It was established in 1957 and as of December of 2012, it had grown to 193 employees and 86,494 members. Altura Credit Union has a 5-star health rating.

Altura Credit Union Routing Number: 322281235

Reviving Economy Brings Human Tellers Back To Branch (Forum) - 3/26/2012

From Credit Union Times Tellers made of flesh and blood will return to a branch of the 96,000-member, $600 million Altura Credit Union. The Riverside, Calif., credit union announced that it will return human beings to its Murrieta branch location after

Competitive Long-Term CDs and Money Market Account at Altura Credit Union in CA - Local Only - 6/26/2009

Update 7/04/09: The CD rates have fallen. Please check the credit union's website for the latest rates.Altura Credit Union has some competitive rates on its long-term certificates. In addition, the certificates have some nice features. Rates vary by the...

4.25% 7-Month CD at Altura Credit Union in California - 12/7/2008

Altura Credit Union is offering a special 7-month certificate with an APY of 4.25%. This requires the credit union's Honors Checking Account. A lower yield of 4.00% APY requires only a regular free checking account. Minimum deposit is $1,000.This special...

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

Altura Credit Union Checking Account Rates

Apy	Min	Max	Product
0.12%	$10k	-	Wealth Builder Checking
0.02%	$100	-	Honors Checking

Altura Credit Union Savings Account Rates

Apy	Min	Max	Product
0.10%	-	-	IRA Accumulator
0.10%	-	-	Roth IRA Accumulator
0.02%	-	-	Regular Share Savings
0.02%	-	-	Side Share
0.02%	-	-	Holiday Savings
0.02%	-	-	MyMoney Savings

Altura Credit Union Money Market Rates

Apy	Min	Max	Product
0.52%	$100k	-	Prestige Money Market
0.04%	$2,500	-	Smart Money Market

Altura Credit Union CD Rates

Apy	Min	Max	Product
1.35%	$1k	-	60 Month Share Certificate
0.95%	$1k	-	48 Month Share Certificate
0.65%	$1k	-	36 Month Share Certificate
0.40%	$1k	-	24 Month Share Certificate
0.40%	$50	-	50/50 Share Certificate
0.25%	$1k	-	12 Month Share Certificate
0.15%	$1k	-	6 Month Share Certificate
0.10%	$1k	-	3 Month Share Certificate

Altura Credit Union IRA Rates

Apy	Min	Max	Product
1.35%	$1k	-	60 Month IRA
1.35%	$1k	-	60 Month Roth IRA
0.95%	$1k	-	48 Month IRA
0.95%	$1k	-	48 Month Roth IRA
0.65%	$1k	-	36 Month IRA
0.65%	$1k	-	36 Month Roth IRA
0.40%	$1k	-	50/50 IRA
0.40%	$1k	-	24 Month IRA
0.40%	$1k	-	50/50 Roth IRA
0.40%	$1k	-	24 Month Roth IRA
0.25%	$1k	-	12 Month IRA
0.25%	$1k	-	12 Month Roth IRA
0.15%	$1k	-	6 Month IRA
0.15%	$1k	-	6 Month Roth IRA
0.10%	$1k	-	3 Month IRA
0.10%	$1k	-	3 Month Roth IRA

Rates updated: 5/22/2013

Data for Q4 2012

Institution Statistics

ALTURA
NCUA #	62799
BankRate Report	View
Year Chartered	1957
Employees	193
Primary Regulator
Assets and Liabilities
Assets	$655.38 million
Loans	$375.39 million
Deposits	$581.41 million
Equity Capital	$67.97 million
Loan Loss Allowance	$19.11 million
Unbacked Noncurrent Loans	$3.63 million
Real Estate Owned	$338,000
Historic Data - December 2011
Assets	$642.97 million
Equity Capital	$50.37 million
Loan Loss Allowance	$30.77 million
Unbacked Noncurrent Loans	$11.41 million
Real Estate Owned	$1.12 million
Profit Margin - Quarterly
Net Interest Margin	6.18%
Return on Assets	2.67%
Return on Equity	25.74%
Interest Income	$25.25 million
Non-Interest Income	$19.93 million

Institution Health

Overall Score:

5 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 Altura Credit Union had $3.96 million in non-current loans and owned real-estate with $87.08 million in equity and loan loss allowances on hand to cover it. This gives Altura Credit Union a Texas Ratio of 4.55% 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 Altura Credit Union decreased significantly from 15.45% as of December 31, 2011 to 4.55% as of December 31, 2012, resulting in a positive change of 70.54%.This indicates that the balance sheet and financial strength for Altura Credit Union has improved significantly in recent periods.
Deposit Growth
In the past year, Altura Credit Union has decreased its total deposits by -$4.69 million, resulting in -0.8% 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 Altura Credit Union has shown is average.
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. Altura Credit Union has $655.38 million in assets with $87.08 million in equity, resulting in a capitalization level of 13.29%, which is excellent.