2026-08-04T12:59:57-05:00 2025-12-31 954083485 TURNER WARREN HWANG & CONRAD ACCTCY 100 NORTH FIRST ST STE 202 BURBANK CA 91502 990 2025-01-01 951442266 ALTA VISTA CREDIT UNION ALTA 9098093838 1425 W LUGONIA AVE REDLANDS CA 92374 DAVID JUSTICE CEO 9098093838 2026-08-03 1 HAYKAZ VARDGESYAN CPA P01444443 8189549700 2025 2025-03-06 01:10:19Z DAVID JUSTICE 1425 W LUGONIA AVE REDLANDS CA 92374 12219705 0 X ALTAVISTACU.ORG X CREDIT UNION 1943 CA A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS. 8 8 47 8 12306 0 0 0 10608097 10898265 1283114 1321440 0 0 11891211 12219705 9756 6995 0 0 3761556 3776834 0 0 0 8068937 7825653 11840249 11609482 50962 610223 209027617 212565513 191267698 194239747 17759919 18325766 X A COOPERATIVE, ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS AMONG ITS MEMBERS, CREATING A SOURCE OF CREDIT FOR THEM AT RATES OF INTEREST SET BY THE BOARD OF DIRECTORS, AND PROVIDING AN OPPORTUNITY FOR THEM TO USE AND CONTROL THEIR OWN MONEY ON A DEMOCRATIC BASIS IN ORDER TO IMPROVE THEIR ECONOMIC AND SOCIAL CONDITIONS. AS A COOPERATIVE, ALTA VISTA CREDIT UNION CONDUCTS ITS BUSINESS FOR THE MUTUAL BENEFIT AND GENERAL WELFARE OF ITS MEMBERS WITH THE EARNINGS, SAVINGS, BENEFITS, OR SERVICES OF THE CREDIT UNION BEING DISTRIBUTED TO ITS MEMBERS AS PATRONS. 0 0 ALTA VISTA CREDIT UNION OFFERS DIGITAL BANKING IN VARIOUS FORMS, SUCH AS, ONLINE BANKING, MOBILE BANKING OR TELEPHONE BANKING, FOR THE CONVENIENCE OF THE MEMBERS. ALTA VISTA CREDIT UNION PROVIDES MEMBERS WITH FINANCIAL ADVICE AND PLANNING BY HELPING THEM CREATE STRONG, ACHIEVABLE FINANCIAL GOALS, BUILD THE PLANS TO GET THERE AND ADAPT TO CHANGES ALONG THE WAY. IN 2025, ALTA VISTA CREDIT UNION OFFERED FIXED HOME EQUITY LOAN PROGRAMS. 0 0 0 0 0 0 0 0 0 1 0 1 0 1 1 0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 0 0 0 0 0 0 0 0 0 0 0 0 1 2614 0 1 47 1 1 1 0 0 0 0 0 0 0 X 8 8 0 0 0 0 1 1 1 1 1 0 1 1 1 1 0 0 1 1 1 1 0 CA X X DEE TISUTHIWONGSE INTERIM CONTROLL 9098093623 1425 W LUGONIA AVE REDLANDS CA 92374 STEPHANIE ORNELAS CHAIRWOMAN 1.00 X 0 0 0 VINCENT LASTER VICE-CHAIRMAN 1.00 X 0 0 0 CAMERON VALADEZ TREASURER 1.00 X 0 0 0 GARY UNDERWOOD SECRETARY 1.00 X 0 0 0 GEORGE TONE BOARD MEMBER 1.00 X 0 0 0 ROBERT GEE BOARD MEMBER 1.00 X 0 0 0 JACOB SPOOR BOARD MEMBER 1.00 X 0 0 0 DAMON ALEXANDER BOARD MEMBER 1.00 X 0 0 0 DAVID JUSTICE CEO 40.00 X 330347 0 19591 KANTI SARKER CFO 40.00 X 128452 0 10772 LORRAINE GONZALES CAO 40.00 X 185861 0 5152 WILLIAM HERNANDEZ VP OF LENDING 40.00 X 184502 0 10337 JAMES DAWSON VP OF BRAND SERVICES 40.00 X 179526 0 10478 BRANDY MAEWEATHER VP OF MEMBER SERVICES 40.00 X 134606 0 4961 SADUDEE TISUTHIWONGSE INTERIM CONTROLLER 40.00 X 120445 0 1820 THI JUAREZ DIRECTOR OF INFORMATION SYSTEMS 40.00 X 103946 0 10447 1367685 0 73558 10 0 1 0 DIGITAL FIRST HOLDINGS LLC PO BOX 740641 LOS ANGELES CA 900740641 WEBSITE EXPENSE 412722 ARROWHEAD CAPITAL CORPORATION 1425 W LUGONIA AVE REDLANDS CA 92374 MORTGAGE BROKER 215082 JACK HENRY & ASSOCIATES INC PO BOX 609 MONETT MO 65708 DATA PROCESSING EXPENSE 213711 EMPOWERFI 504 CORPORATE DRIVE W LANGHORNE PA 19047 MARKETING SERVICES 111837 4 INTEREST ON LOANS 522291 8341936 8341936 OTHER OPERATING INCOME 522100 1286989 1274683 12306 FEE INCOME 522100 1269340 1269340 10898265 1321440 1321440 12219705 12207399 12306 0 6995 1367685 2082786 24400 34733 267230 38136 74730 541531 228699 1619440 700577 423380 123170 1793340 489913 281717 CREDIT LOSS EXPENSE:LOA 931601 LOAN SEVICING EXPENSE 380920 MISCELLANEOUS OPERATING 169202 OPERATING FEES 29290 7 11609482 1862080 2007714 8528912 26677973 203660 199921 14672 12497 630052 557100 16237278 6125648 10409583 10111630 39686539 33673622 142746366 133250144 4945753 6074912 209027617 212565513 2175767 1351965 189091931 192887782 191267698 194239747 X 0 0 10475692 10475692 7284227 7850074 17759919 18325766 209027617 212565513 X 610223 25 -44401 X X 0 1 X 1 0 3257760 3257760 9303873 3799185 5504688 2725073 2326463 398610 950572 950572 10111630 PAID IN CAPITAL 306827 C NCUA SHARE INSURANCE CAPITALIZATION DEPOSIT 1701417 C NET LOANS TO MEMBERS 129498960 C ALL OTHER INVESTMENTS 1742940 F 133250144 TOTAL SHARES & DEPOSITS 192887782 192887782 X PART X, LINE 2: FASB ASC 740-10-65, INCOME TAXES, PROVIDES GUIDANCE FOR HOW UNCERTAIN TAX POSITIONS SHOULD BE RECOGNIZED, MEASURED, DISCLOSED AND PRESENTED IN THE FINANCIAL STATEMENTS. THIS REQUIRES THE EVALUATION OF TAX POSITIONS TAKEN OR EXPECTED TO BE TAKEN IN THE COURSE OF PREPARING THE CREDIT UNION'S TAX RETURNS TO DETERMINE WHETHER THE TAX POSITIONS ARE "MORE LIKELY THAN NOT" OF BEING SUSTAINED "WHEN CHALLENGED OR "WHEN EXAMINED" BY THE APPLICABLE TAX AUTHORITY. TAX POSITIONS DEEMED TO NOT MEET THE MORE-LIKELY-THAN-NOT THRESHOLD SHOULD BE RECORDED AS A TAX EXPENSE AND LIABILITY IN THE CURRENT YEAR. AS OF SEPTEMBER 30, 2025 AND 2024, MANAGEMENT HAS DETERMINED THAT THERE ARE NO MATERIAL UNCERTAIN TAX POSITIONS. X 1 0 0 DAVID JUSTICE CEO 263127 0 2400 0 64820 0 2726 0 16865 0 349938 0 0 0 LORRAINE GONZALES CAO 175488 0 2200 0 8173 0 1802 0 3350 0 191013 0 0 0 WILLIAM HERNANDEZ VP OF LENDING 175027 0 1800 0 7675 0 1256 0 9081 0 194839 0 0 0 JAMES DAWSON VP OF BRAND SERVICES 165827 0 1800 0 11899 0 1679 0 8799 0 190004 0 0 0 PART I, LINE 4A KANTI SARKER RECEIVED SEVERANCE PAYMENT IN JUNE 2025. DAVID JUSTICE CEO HELOC-CC X 150000 149898 0 1 0 DAVID JUSTICE CEO VISA PLATINUM-CC X 20600 18457 0 1 0 LORRAINE GONZALES CAO VISA PLATINUM-CC X 5000 3794 0 1 0 JAMES DAWSON VP OF BRAND SERVICES USED AUTO-CC X 33966 27772 0 1 0 STARLENE JUSTICE FAMILY OF CEO (SPOUSE) USED AUTO-CC 51 X 19449 5078 0 1 0 RAYMOND GONZALES FAMILY OF CAO (SPOUSE) VISA PLATINUM-CC 122 X 15000 7419 0 1 0 212418 FORM 990, PART VI, SECTION A, LINE 6 ALTA VISTA CREDIT UNION IS A COOPERATIVE FINANCIAL INSTITUTION THAT IS OWNED AND CONTROLLED BY ITS MEMBERS, AND OPERATED FOR THE PURPOSE OF PROMOTING THRIFT AND SAVINGS TO ITS MEMBERS. ALTA VISTA CREDIT UNION DOES NOT HAVE STOCKHOLDERS. FORM 990, PART VI, SECTION A, LINE 7A YES, ALL MEMBERS VOTE FOR THE VOLUNTEER BOARD OF DIRECTORS. IF A POSITION BECOMES VACANT DURING THE YEAR, THE BOARD MAY APPOINT A PERSON TO FILL THE SPOT UNTIL THE NEXT ANNUAL MEETING OF THE MEMBERS. FORM 990, PART VI, SECTION A, LINE 7B ONLY MEMBERS MAY APPROVE A MANAGER. OUR REGULATOR AND FEDERAL INSURANCE PROVIDER MAY IMPOSE RULES THAT WE MUST FOLLOW. FORM 990, PART VI, SECTION B, LINE 11B THE RETURN PREPARER SENDS A DRAFT OF THE FORM 990 TO THE ORGANIZATON'S CEO/CFO FOR THEIR REVIEW.THE CEO/CFO REVIEWS THE DRAFT AND PRESENTS ANY QUESTIONS,COMMENTS OR CORRECTIONS TO THE RETURN PREPARER. UPON SATISFACTORY COMPLETION OF THE FORM 990, THE ORGANIZATION'S CEO/CFO SIGNS RETURN AND SUBMITS IT TO THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 15 COMPENSATION DATA IS RECEIVED FROM AN INDEPENDENT COMPANY THAT SUMMARIZES WAGE DATA BY INDUSTRY, LOCATION, SIZE, COMPLEXITY, JOB CLASSIFICATION, LEVEL OF RESPONSIBILITY, ETC. TO DETERMINE WAGE BANDS, AN INDIVIDUAL WHO EARNS MORE THAN 120 PERCENT OF MEDIAN WAGES FOR A JOB WILL NOT RECEIVE MERIT OR OTHER ANNUAL INCREASE IN PAY. FORM 990, PART VI, SECTION C, LINE 19 THE GOVERNING DOCUMENTS ARE AVAILABLE UPON REQUEST. THE CONFLICT OF INTEREST POLICY IS NOT AVAILABLE TO THE PUBLIC, HOWEVER THE CONFLICT OF INTEREST POLICY WAS APPROVED BY THE GOVERNING BODY, THE BOARD OF DIRECTORS. THE CREDIT UNION POSTS OUR FINANCIAL STATEMENTS FOR THE PUBLIC IN OUR LOBBY ON A MONTHLY BASIS. FORM 990, PART VI, SECTION A, LINE 1A AND 1B: THE NUMBER OF VOTING MEMBERS OF THE GOVERNING BODY DECREASED BY ONE IN 2025. AS OF 12-31-2025, THERE IS ONE VACANT SEATS WHICH THE CREDIT UNION IS ACTIVELY LOOKING TO FILL. FORM 990, PART XI, LINE 9: CECL TRANSITIONAL AMOUNT (AS DETERMINED UNDER 702.703(B)) -44,401. FORM 990,PART XII,LINE 2C THE ORGANIZATION HAS NOT CHANGED EITHER ITS OVERSIGHT PROCESS OR SELECTION PROCESS DURING THE TAX YEAR.