TellerScore

Altana Federal Credit Union (NCUA charter #6275) is based in Billings, Montana. Its Q2 2026 call report shows $668.3M in total assets and $590.1M in member shares and deposits and 6 offices.

Based on its Q2 2026 filing, Altana Federal Credit Union scores 66/100, which we describe as moderate. That is higher than only 37% of 1,341 credit unions with $100 million – $1 billion. Among 41 credit unions headquartered in Montana, it ranks 27th. Its strongest component is problem-loan coverage (87/100; 6.7%), and its lowest is earnings (55/100; 0.89%).

TellerScore · Q2 2026

Scorecard

Capital cushion62/100
Net worth ratio: 11.24%
Loan quality68/100
Loans 60+ days delinquent ÷ total loans: 0.96%
Earnings55/100
Return on assets (annualized): 0.89%
Funding & liquidity74/100
Loans ÷ shares: 86.5% · 9.2% uninsured
Problem-loan coverage87/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 6.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (68 → 66), mostly because the loan quality component weakened by 5 points.

TellerScore
666870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202469
Q1 202567
Q2 202568
Q3 202568
Q4 202570
Q1 202667
Q2 202666
Net worth ratio
7.00%9.21%11.42%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.88%
Q3 202411.01%
Q4 202411.07%
Q1 202510.98%
Q2 202511.26%
Q3 202511.42%
Q4 202511.39%
Q1 202611.12%
Q2 202611.24%
Delinquent loans (60+ days)
0.62%0.79%0.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.78%
Q3 20240.76%
Q4 20240.71%
Q1 20250.62%
Q2 20250.82%
Q3 20250.86%
Q4 20250.73%
Q1 20260.80%
Q2 20260.96%
Return on assets
0.66%0.83%0.99%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.76%
Q3 20240.88%
Q4 20240.93%
Q1 20250.66%
Q2 20250.93%
Q3 20250.94%
Q4 20250.99%
Q1 20260.73%
Q2 20260.89%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$668.3M11.24%0.96%0.89%86.5%
Q1 202667$660.2M11.12%0.80%0.73%83.3%
Q4 202570$633.9M11.39%0.73%0.99%86.6%
Q3 202568$615.1M11.42%0.86%0.94%87.8%
Q2 202568$610.1M11.26%0.82%0.93%88.0%
Q1 202567$609.1M10.98%0.62%0.66%84.0%
Q4 202469$595.3M11.07%0.71%0.93%83.5%
Q3 202468$583.2M11.01%0.76%0.88%83.5%
Q2 202467$579.7M10.88%0.78%0.76%82.4%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.24%
47th
Problem loans0.96%
32nd
Net charge-offs0.22%
67th
Return on assets0.89%
60th
Loans to deposits86.5%
25th
Uninsured deposits9.2%
21st
Loan-loss reserves0.00%
50th
Texas ratio6.7%
27th

Similar-size credit unions in Montana

InstitutionScoreAssetsCapitalProblem loansCompare
Valley Financial Credit UnionCredit union Billings, MT71 out of 100, Strong$600.9M10.7%0.25%vs
Rocky Mountain Credit UnionCredit union Helena, MT53 out of 100, Below average$426.5M8.7%1.15%vs
Park Side Financial Credit UnionCredit union Whitefish, MT68 out of 100, Moderate$390.4M9.4%0.20%vs
Montana Federal Credit UnionCredit union Great Falls, MT79 out of 100, Strong$361.5M12.5%0.26%vs
Intrepid Credit UnionCredit union Helena, MT71 out of 100, Strong$310.8M11.1%0.44%vs
Billings Federal Credit UnionCredit union Billings, MT64 out of 100, Moderate$216.1M11.7%0.77%vs

Deposit insurance

Is my money safe at Altana Federal Credit Union?

Yes. Altana Federal Credit Union is a federally insured credit union (NCUA charter #6275). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 9.2% of shares and deposits ($54.4M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 11.24%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

6 locations

Branches

Altana Federal Credit Union lists 6 offices in 4 cities. Most locations:

  • Billings, MT (3)
  • Columbus, MT (1)
  • Laurel, MT (1)
  • Red Lodge, MT (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Altana Federal Credit Union reported 480 home-loan applications under HMDA (LEI 54930043A47GB1KNJQ31): 360 originated ($56,570,000 total), 86 denied, and 30 withdrawn or closed by the applicant. Its denial rate on decided applications was 19.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Altana Federal Credit Union
Type
Federal credit union
NCUA charter #
6275
RSSD ID
782986
Primary regulator
NCUA
Established
1949
Headquarters
3212 Central Ave, Billings, MT 59102
Employees
142

Quick answers

Altana Federal Credit Union: common questions

Is Altana Federal Credit Union NCUA insured?

Yes. Altana Federal Credit Union is a federally insured credit union (NCUA charter #6275). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Altana Federal Credit Union's TellerScore?

66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Altana Federal Credit Union have?

6 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Billings

InstitutionScoreAssetsCapitalProblem loansCompare
Rimrock Credit UnionCredit union Billings, MT93 out of 100, Very strong$64.0M15.0%0.15%vs
The Yellowstone BankBank Laurel, MT88 out of 100, Very strong$1.3B12.3%0.01%vs
Seg Federal Credit UnionCredit union Laurel, MT74 out of 100, Strong$25.6M12.6%0.75%vs
Valley Financial Credit UnionCredit union Billings, MT71 out of 100, Strong$600.9M10.7%0.25%vs
Stockman Bank of MontanaBank Miles City, MT71 out of 100, Strong$7.7B9.9%0.60%vs
Opportunity Bank of MontanaBank Helena, MT71 out of 100, Strong$2.1B10.9%0.26%vs