TellerScore

Headquartered in Ridgecrest, California, Altaone Federal Credit Union is a federal credit union with $967.2M in total assets and $872.2M in member shares and deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1947.

Based on its Q2 2026 filing, Altaone Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 14% of 1,341 credit unions with $100 million – $1 billion. Among 238 credit unions headquartered in California, it ranks 194th. Its strongest component is problem-loan coverage (85/100; 7.4%), and its lowest is earnings (27/100; 0.17%).

TellerScore · Q2 2026

Scorecard

Capital cushion42/100
Net worth ratio: 9.19%
Loan quality77/100
Loans 60+ days delinquent ÷ total loans: 0.70%
Earnings27/100
Return on assets (annualized): 0.17%
Funding & liquidity73/100
Loans ÷ shares: 87.2% · 12.9% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.38%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (57 → 57).

TellerScore
555861Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202458
Q4 202456
Q1 202555
Q2 202557
Q3 202556
Q4 202556
Q1 202657
Q2 202657
Net worth ratio
7.00%8.83%10.66%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.66%
Q3 20249.81%
Q4 20249.63%
Q1 20259.30%
Q2 20259.33%
Q3 20259.25%
Q4 20259.16%
Q1 20269.07%
Q2 20269.19%
Delinquent loans (60+ days)
0.59%0.71%0.84%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.72%
Q3 20240.74%
Q4 20240.84%
Q1 20250.77%
Q2 20250.77%
Q3 20250.81%
Q4 20250.76%
Q1 20260.59%
Q2 20260.70%
Return on assets
0.04%0.13%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.20%
Q3 20240.10%
Q4 20240.04%
Q1 20250.05%
Q2 20250.22%
Q3 20250.17%
Q4 20250.17%
Q1 20260.08%
Q2 20260.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202657$967.2M9.19%0.70%0.17%87.2%
Q1 202657$974.0M9.07%0.59%0.08%86.0%
Q4 202556$962.0M9.16%0.76%0.17%87.2%
Q3 202556$962.5M9.25%0.81%0.17%87.6%
Q2 202557$951.8M9.33%0.77%0.22%86.8%
Q1 202555$945.8M9.30%0.77%0.05%87.7%
Q4 202456$932.7M9.63%0.84%0.04%84.0%
Q3 202458$932.3M9.81%0.74%0.10%82.7%
Q2 202461$845.0M10.66%0.72%0.20%87.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.19%
15th
Problem loans0.70%
49th
Net charge-offs1.00%
10th
Return on assets0.17%
10th
Loans to deposits87.2%
23rd
Uninsured deposits12.9%
8th
Loan-loss reserves0.00%
50th
Texas ratio7.4%
24th

Similar-size credit unions in California

InstitutionScoreAssetsCapitalProblem loansCompare
First City Credit UnionCredit union Pasadena, CA78 out of 100, Strong$948.5M13.5%0.58%vs
Certified Federal Credit UnionCredit union El Monte, CA88 out of 100, Very strong$925.3M20.7%0.37%vs
Community First Credit UnionCredit union Santa Rosa, CA64 out of 100, Moderate$921.0M10.3%1.22%vs
Merced School Employees Federal Credit UnionCredit union Merced, CA81 out of 100, Strong$899.0M11.8%0.44%vs
Sun Community Federal Credit UnionCredit union El Centro, CA56 out of 100, Moderate$895.6M8.4%0.25%vs
Oceanair Federal Credit UnionCredit union Oxnard, CA49 out of 100, Below average$882.5M7.4%0.48%vs

Deposit insurance

Is my money safe at Altaone Federal Credit Union?

Yes. Altaone Federal Credit Union is a federally insured credit union (NCUA charter #5612). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 12.9% of shares and deposits ($112.2M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 9.19%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

12 locations

Branches

Altaone Federal Credit Union lists 12 offices in 10 cities. Most locations:

  • Bakersfield, CA (2)
  • Ridgecrest, CA (2)
  • Bishop, CA (1)
  • Boron, CA (1)
  • California City, CA (1)
  • China Lake, CA (1)
  • Kernville, CA (1)
  • Lake Isabella, CA (1)
  • Lone Pine, CA (1)
  • Tehachapi, CA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Altaone Federal Credit Union
Type
Federal credit union
NCUA charter #
5612
RSSD ID
1000173
Primary regulator
NCUA
Established
1947
Headquarters
PO Box 1209, Ridgecrest, CA 93556
Employees
179

Quick answers

Altaone Federal Credit Union: common questions

Is Altaone Federal Credit Union NCUA insured?

Yes. Altaone Federal Credit Union is a federally insured credit union (NCUA charter #5612). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Altaone Federal Credit Union's TellerScore?

57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Altaone Federal Credit Union have?

12 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Ridgecrest

InstitutionScoreAssetsCapitalProblem loansCompare
Navy Federal Credit UnionCredit union Vienna, VA66 out of 100, Moderate$204.4B11.7%1.58%vs
U.S. Bank National AssociationBank Cincinnati, OH55 out of 100, Moderate$705.6B9.5%1.45%vs