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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#1,643 of 4,374 health · 2025Q4ALTRA · health 87/100 · $3.05B · 2025Q4
- DELQ 87/100
- ROA 12.4%
- ASSETS 0.61%
- MEM 0.95%
- RANK $3.05B
- PHOTO 158,255
- BOOK #1,643/4,374
- CHARTER Hapo Community
- NCUSIF 24077
Call Report peers
ALTRA in the assets neighbourhood
ALTRA's $3.05B assets sit next to Hapo Community ($3.04B) 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.
ALTRA 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
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
ALTRA - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #24077. See our deposit-insurance coverage note.
Peer-gap read for ALTRA
- Largest favorable gap: Loan-to-Share Ratio at 107.02% vs peer 83.90% (+23.12 pp).
Peer averages are NCUA 5300 means for the Over $500M cohort (749 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
ALTRA: 2025Q4 → 2026Q1
ALTRA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.6% from $3.05B (2025Q4) to $3.09B (2026Q1).
- Net-worth ratio shifted +0.22 pp (12.22% → 12.44%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 87.
- 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 |
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).
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
ALTRA's nationwide photo peers by assets and by health score, excluding Wisconsin charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($3.05B here).
Similar health score
Nearest other-state credit unions by five-factor health composite (87/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Wisconsin credit unions compare overall before assuming this one is typical. Wisconsin 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 ALTRA financially healthy?
ALTRA scores 87/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,643 of 4,374; by total assets it ranks #163 of 4,374 nationally (same basis as /rankings/largest); and #10 of 100 within Wisconsin. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 12.44% net worth ratio and a 0.61% delinquency rate.
How does ALTRA compare to other credit unions?
Five weighted metrics from NCUA filings produce ALTRA's 87/100 score on PlainCU's health composite, compared to a peer group average for Over $500M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 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?
Federal credit unions like ALTRA 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. ALTRA's net worth ratio of 12.44% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does ALTRA offer compared to banks?
Credit unions like ALTRA 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 ALTRA 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.