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
- NCUSIF 94/100
- CAMELS 11.1%
- HEALTH 0.73%
- NW 0.87%
- DELQ $633.9M
- ROA 39,750
- ASSETS #526/4,374
- MEM Fedex Employees Credit Association
- RANK 6275
Call Report peers
ALTANA in the assets neighbourhood
ALTANA's $633.9M assets sit next to Fedex Employees Credit Association ($632.4M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
94 Top 13% higher than 87% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
ALTANA - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #6275, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
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).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALTANA Call Report trajectory
ALTANA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.1% from $633.9M (2025Q4) to $660.2M (2026Q1).
- Net-worth ratio shifted -0.27 pp (11.39% → 11.12%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 94.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Over $500M (749 CUs).
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
ALTANA's nationwide photo peers by assets and by health score, excluding Montana charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($633.9M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (94/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Montana credit unions compare overall before assuming this one is typical. Montana state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is ALTANA financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, ALTANA carries a financial health score of 94/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #526 of 4,374; by total assets it ranks #659 of 4,374 nationally (same basis as /rankings/largest); and #3 of 41 within Montana. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 11.12% net worth ratio and a 0.73% delinquency rate.
How does ALTANA compare to other credit unions?
PlainCU's health composite puts ALTANA at 94/100, compared to a peer group average for Over $500M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like ALTANA are 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."
What rates does ALTANA offer compared to banks?
Credit unions like ALTANA are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact ALTANA directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.