Federal credit union · ALTON, Illinois · NCUA charter #3316
Altonized Community
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $51.4M
- Total assets
- 5,588
- Members
- 8.2%
- Net-worth ratio
Altonized Community scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $51.4M; members 5,588; net-worth ratio 8.23%; health rank #2,903 of 4,374; healthier than 33rd of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,903 of 4,374 health · 2025Q4Altonized Community · health 79/100 · $51.4M · 2025Q4
- DELQ 79/100
- ROA 8.2%
- ASSETS 0.49%
- MEM 0.40%
- RANK $51.4M
- PHOTO 5,588
- BOOK #2,903/4,374
- CHARTER Caprock Santa Fe
- NCUSIF 3316
Call Report peers
Altonized Community in the assets neighbourhood
Altonized Community's $51.4M assets sit next to Caprock Santa Fe ($51.3M) 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.
Altonized Community 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
79 33rd percentile higher than 33% 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
Altonized Community - Share Insurance Coverage
Charter #3316's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Peer-gap read for Altonized Community
- Largest favorable gap: Delinquency Rate at 0.49% vs peer 0.96% (-0.47 pp).
- Largest lag: Loan-to-Share Ratio at 46.78% vs peer 62.60% (-15.82 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Altonized Community: in-state Call Report ranks
- Illinois health ordinal: #131 of 192.
- Assets rank #73 of 192 inside Illinois ($51.4M reported).
- Illinois membership ordinal: #62 of 192.
In-state ordinals use the live credit_unions table for IL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Altonized Community
Altonized Community: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +8.5% from $51.4M (2025Q4) to $55.7M (2026Q1).
- Net-worth ratio shifted -0.61 pp (8.84% → 8.23%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 8.23% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 79/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- Net Worth Ratio 25.6 pts
- Delinquency Rate 25.0 pts
- Return on Assets 13.5 pts
- Member Growth 4.8 pts
- Loan-to-Share Ratio 10.1 pts
Altonized Community health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 8.23% | -5.39 pp |
| Delinquency Rate | 0.49% | -0.47 pp |
| Return on Assets | 0.40% | -0.26 pp |
| Member Growth | -2.34% | - |
| Loan-to-Share Ratio | 46.78% | -15.82 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $55.7M | - |
| 2025Q4 | $51.4M | 5,588 |
| 2024Q4 | $49.2M | 5,722 |
| 2023Q4 | $48.8M | 5,672 |
Credit Union Details
- Charter Number
- 3316
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Illinois
- City
- ALTON
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Altonized Community, spread across 2 cities.
| Office | City |
|---|---|
| ALTONIZED COMMUNITY FEDERAL CREDIT UNION (Main Office) | ALTON, IL |
| ALTONIZED COMMUNITY FEDERAL CREDIT UNION | BRIGHTON, IL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Illinois
Other federally-insured credit unions in Illinois, closest first by peer group and asset size.
Cross-state Call Report peers for Altonized Community
Two NCUA Call Report peer sets for Altonized Community, both outside Illinois so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($51.4M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
Using this data
- Altonized Community ranks #2,903 of 4,374 nationally on financial health and #131 of 192 in IL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Maroon Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Maroon Financial
- Rates and health both vary by institution, not just by state -- see how Illinois credit unions compare overall before assuming this one is typical. Illinois 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 Altonized Community financially healthy?
Yes/no aside, the number is 79/100 (Very Good) - Altonized Community's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,903 of 4,374; by total assets it ranks #2,381 of 4,374 nationally (same basis as /rankings/largest); and #73 of 192 within Illinois. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.23% net worth ratio and 0.49% delinquency rate are the key drivers.
How does Altonized Community compare to other credit unions?
Altonized Community scores 79/100 on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), 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 Altonized Community?
Altonized Community 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 Altonized Community directly for the exact boundaries and application steps.
Is my money safe at Altonized Community?
Federal credit unions like Altonized Community 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. Altonized Community's net worth ratio of 8.23% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Altonized Community offer compared to banks?
Credit unions like Altonized Community 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 Altonized Community 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.