Federal credit union · ONALASKA, Wisconsin · NCUA charter #24077
ALTRA
Health score 87/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 87
- Health / 100
- $3.05B
- Total assets
- 158,255
- Members
- 12.4%
- Net-worth ratio
ALTRA scores 87/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $3.05B; members 158,255; net-worth ratio 12.44%; health rank #1,643 of 4,374; healthier than 60th of scored peers.
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NCUA 5300 Call Report Masthead
#1,643 of 4,374 health · 2025Q4ALTRA · health 87/100 · $3.05B · 2025Q4
Call Report peers
ALTRA in the assets neighbourhood
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ALTRA vs every NCUA-scored credit union
ALTRA sits in the busiest band, 85-89, alongside 857 other credit unions.
87 Top 40% higher than 60% 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
Peer-gap read for ALTRA
- Largest favorable gap: Loan-to-Share Ratio at 107.02% vs peer 83.90% (+23.12 pp).
Where ALTRA sits in Wisconsin
- Wisconsin health ordinal: #62 of 100.
- Assets rank #10 of 100 inside Wisconsin ($3.05B reported).
- Membership ranks #9 of 100 among Wisconsin CUs with a reported count (158,255 members).
- One place up in Wisconsin, RIPPLE (#61) ties at 87/100; one place down, Blackhawk Community (#63) ties at 87/100.
ALTRA: 2025Q4 → 2026Q1
ALTRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $3.05B (2025Q4) to $3.09B (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.22% → 12.44%).
12.44% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 87/100 score is built
ALTRA gives up 13 points in total. Loan-to-Share Ratio costs the most, 7.1 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.1 pts
- Loan-to-Share Ratio 8.0 pts
Call Report ratios for ALTRA
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.44% | +1.26 pp |
| Delinquency Rate | 0.61% | -0.27 pp |
| Return on Assets | 0.95% | +0.44 pp |
| Member Growth | 0.90% | - |
| Loan-to-Share Ratio | 107.02% | +23.12 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
ALTRA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $3.09B | - |
| 2025Q4 | $3.05B | 158,255 |
| 2024Q4 | $2.94B | 156,843 |
| 2023Q4 | $2.82B | 147,035 |
Credit Union Details
- Charter Number
- 24077
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Wisconsin
- City
- ONALASKA
- Data Quarter
- 2025Q4
Branch Locations (18)
ALTRA operates 18 offices across 14 cities, spanning 6 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Altra Federal Credit Union (Main Office) | ONALASKA, WI |
| Altra Federal Credit Union | CLARKSVILLE, TN |
| Altra Federal Credit Union | CLARKSVILLE, TN |
| Altra Federal Credit Union | HOLMEN, WI |
| Altra Federal Credit Union | LA CRESCENT, MN |
| Altra Federal Credit Union | LA CROSSE, WI |
| Altra Federal Credit Union | LA CROSSE, WI |
| Altra Federal Credit Union | Lindale, TX |
| Altra Federal Credit Union | ONALASKA, WI |
| Altra Federal Credit Union | PUEBLO, CO |
| Altra Federal Credit Union | ROCHESTER, MN |
| Altra Federal Credit Union | Rochester, MN |
| Altra Federal Credit Union | TRENTON, NJ |
| Altra Federal Credit Union | TYLER, TX |
| Altra Federal Credit Union | TYLER, TX |
| Altra Federal Credit Union | Tyler, TX |
| Altra Federal Credit Union | WEST SALEM, WI |
| Altra Federal Credit Union | WINONA, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Wisconsin
Other federally-insured credit unions in Wisconsin, closest first by peer group and asset size.
Cross-state Call Report peers for ALTRA
Similar total assets
Using this data
- ALTRA ranks #1,643 of 4,374 nationally on financial health and #62 of 100 in WI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fox Communities is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fox Communities
Frequently Asked Questions
Is ALTRA financially healthy?
ALTRA has a financial health score of 87/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,643 of 4,374 nationally on health and #62 of 100 in Wisconsin. Its net worth ratio is 12.44% and its delinquency rate 0.61%.
How does ALTRA compare to other credit unions?
ALTRA scores 87/100, higher than 60% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (107.02% vs 83.90%).
How can I join ALTRA?
ALTRA 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 ALTRA directly for the exact boundaries and application steps.
Is my money safe at ALTRA?
ALTRA 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. ALTRA's net worth ratio of 12.44% 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.