Federal credit union · Billings, Montana · NCUA charter #6275
ALTANA
Health score 94/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 94
- Health / 100
- $633.9M
- Total assets
- 39,750
- Members
- 11.1%
- Net-worth ratio
ALTANA scores 94/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $633.9M; members 39,750; net-worth ratio 11.12%; health rank #526 of 4,374; healthier than 87th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#526 of 4,374 health · 2025Q4ALTANA · health 94/100 · $633.9M · 2025Q4
Call Report peers
ALTANA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
ALTANA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); ALTANA sits in 90-94 with 747 others.
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
ALTANA: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 86.62% vs peer 83.90% (+2.72 pp).
- Largest lag: Net Worth Ratio at 11.12% vs peer 11.18% (-0.06 pp).
Montana standing for ALTANA
- In Montana, health place is #9 of 41 on the same NCUA-ratio sort used nationally.
- Montana assets place: #3 of 41.
- Member book place in Montana: #3 of 41.
- One place up in Montana, DANIELS-SHERIDAN (#8) ties at 94/100; one place down, Northwestern Energy Employees (#10) scores 93/100, 1 point lower.
ALTANA Call Report trajectory
ALTANA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.1% from $633.9M (2025Q4) to $660.2M (2026Q1).
- Net-worth ratio shifted -0.27 pp (11.39% → 11.12%).
This credit union's 11.12% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 94/100 score is built
ALTANA gives up 6 points in total. Member Growth costs the most, 3.5 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.7 pts
- Return on Assets 15.0 pts
- Member Growth 11.5 pts
- Loan-to-Share Ratio 14.8 pts
ALTANA vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.12% | -0.06 pp |
| Delinquency Rate | 0.73% | -0.14 pp |
| Return on Assets | 0.87% | +0.36 pp |
| Member Growth | 2.11% | - |
| Loan-to-Share Ratio | 86.62% | +2.72 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $660.2M | - |
| 2025Q4 | $633.9M | 39,750 |
| 2024Q4 | $595.3M | 38,928 |
| 2023Q4 | $560.5M | 38,149 |
Credit Union Details
- Charter Number
- 6275
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Montana
- City
- Billings
- Data Quarter
- 2025Q4
Branch Locations (11)
The NCUA branch filing lists 11 physical offices for ALTANA, spread across 8 cities.
| Office | City |
|---|---|
| Altana FCU West End (Main Office) | Billings, MT |
| Altana FCU 24th Street | Billings, MT |
| Altana FCU Downtown | Billings, MT |
| Altana FCU Heights | Billings, MT |
| Altana FCU Chester | Chester, MT |
| Altana FCU Chinook | Chinook, MT |
| Altana FCU Columbus | Columbus, MT |
| Altana FCU Havre | Havre, MT |
| Altana FCU Laurel | Laurel, MT |
| Altana FCU Red Lodge | Red Lodge, MT |
| Altana FCU Shelby | Shelby, MT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Montana
A look at other Montana credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Using this data
- ALTANA ranks #526 of 4,374 nationally on financial health and #9 of 41 in MT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Valley Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Valley Financial
Frequently Asked Questions
Is ALTANA financially healthy?
On its 2025Q4 NCUA 5300 filing, ALTANA scores 94/100 (Excellent), with a 11.12% net worth ratio and 0.73% of loans delinquent. It ranks #526 of 4,374 nationally on health and #9 of 41 in Montana.
How does ALTANA compare to other credit unions?
ALTANA scores 94/100, higher than 87% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (86.62% vs 83.90%). Its widest shortfall is net worth ratio (11.12% vs 11.18%).
How can I join ALTANA?
ALTANA operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact ALTANA directly for the exact boundaries and application steps.
Is my money safe at ALTANA?
ALTANA is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. ALTANA's net worth ratio of 11.12% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.