Altra Federal Credit Union (NCUA charter #24077) is based in Onalaska, Wisconsin. Its Q2 2026 call report shows $3.1B in total assets and $2.6B in member shares and deposits and 10 offices across 4 states.
Based on its Q2 2026 filing, Altra Federal Credit Union scores 78/100, which we describe as strong. That is higher than 84% of 454 credit unions with $1 billion – $10 billion. Among 98 credit unions headquartered in Wisconsin, it ranks 35th. Its strongest component is problem-loan coverage (93/100; 3.7%), and its lowest is funding & liquidity (50/100; 110% loans-to-deposits, 14% uninsured).
TellerScore · Q2 2026
Scorecard
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 rose 6 points (72 → 78), mostly because the capital cushion component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 67 |
| Q1 2025 | 72 |
| Q2 2025 | 72 |
| Q3 2025 | 74 |
| Q4 2025 | 75 |
| Q1 2026 | 78 |
| Q2 2026 | 78 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 10.98% |
| Q3 2024 | 10.92% |
| Q4 2024 | 11.15% |
| Q1 2025 | 11.20% |
| Q2 2025 | 11.63% |
| Q3 2025 | 12.01% |
| Q4 2025 | 12.22% |
| Q1 2026 | 12.44% |
| Q2 2026 | 12.68% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.72% |
| Q3 2024 | 0.69% |
| Q4 2024 | 0.66% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.63% |
| Q3 2025 | 0.64% |
| Q4 2025 | 0.61% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.46% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.75% |
| Q3 2024 | 0.86% |
| Q4 2024 | 0.98% |
| Q1 2025 | 1.22% |
| Q2 2025 | 1.44% |
| Q3 2025 | 1.48% |
| Q4 2025 | 1.53% |
| Q1 2026 | 1.64% |
| Q2 2026 | 1.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 78 | $3.1B | 12.68% | 0.46% | 1.66% | 109.8% |
| Q1 2026 | 78 | $3.1B | 12.44% | 0.45% | 1.64% | 107.0% |
| Q4 2025 | 75 | $3.0B | 12.22% | 0.61% | 1.53% | 107.0% |
| Q3 2025 | 74 | $3.0B | 12.01% | 0.64% | 1.48% | 105.8% |
| Q2 2025 | 72 | $3.0B | 11.63% | 0.63% | 1.44% | 106.0% |
| Q1 2025 | 72 | $3.0B | 11.20% | 0.46% | 1.22% | 103.7% |
| Q4 2024 | 67 | $2.9B | 11.15% | 0.66% | 0.98% | 107.2% |
| Q3 2024 | 64 | $2.9B | 10.92% | 0.69% | 0.86% | 107.8% |
| Q2 2024 | 64 | $2.8B | 10.98% | 0.72% | 0.75% | 107.7% |
454 peers · $1 billion – $10 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).
Similar-size credit unions in Wisconsin
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fox Communities Credit UnionCredit union Appleton, WI | 73 out of 100, Strong | $3.4B | 10.9% | 0.29% | vs |
| Capital Credit UnionCredit union Green Bay, WI | 69 out of 100, Moderate | $2.8B | 12.3% | 0.90% | vs |
| Educators Credit UnionCredit union Racine, WI | 81 out of 100, Strong | $4.0B | 13.9% | 0.97% | vs |
| Westconsin Credit UnionCredit union Menomonie, WI | 78 out of 100, Strong | $2.2B | 12.9% | 0.64% | vs |
| Connexus Credit UnionCredit union Wausau, WI | 37 out of 100, Low | $4.1B | 7.4% | 1.89% | vs |
| Covantage Credit UnionCredit union Antigo, WI | 59 out of 100, Moderate | $4.2B | 9.8% | 1.28% | vs |
Deposit insurance
Is my money safe at Altra Federal Credit Union?
Yes. Altra Federal Credit Union is a federally insured credit union (NCUA charter #24077). 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 14.2% of shares and deposits ($366.1M) are above the $250,000 NCUA insurance limit, above the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 12.68%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
Altra Federal Credit Union lists 10 offices in 8 cities across 4 states. Most locations:
- Clarksville, TN (2)
- Onalaska, WI (2)
- Holmen, WI (1)
- LA Crescent, MN (1)
- LA Crosse, WI (1)
- Tyler, TX (1)
- West Salem, WI (1)
- Winona, MN (1)
HMDA 2025
Mortgage lending
In 2025, Altra Federal Credit Union reported 3,520 home-loan applications under HMDA (LEI 549300A0SVCQJPHVGV20): 2,835 originated ($616,775,000 total), 302 denied, and 285 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.3%, 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
- Altra Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24077
- RSSD ID
- 855497
- Primary regulator
- NCUA
- Established
- 1931
- Headquarters
- 1700 Oak Forest Dr, Onalaska, WI 54650
- Employees
- 509
Quick answers
Altra Federal Credit Union: common questions
Is Altra Federal Credit Union NCUA insured?
Yes. Altra Federal Credit Union is a federally insured credit union (NCUA charter #24077). 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 Altra Federal Credit Union's TellerScore?
78 out of 100 (Strong), 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 Altra Federal Credit Union have?
10 offices as of the latest NCUA data, in 4 states.
Nearby
Highest-scoring banks and credit unions with branches near Onalaska
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bluff View BankBank Galesville, WI | 90 out of 100, Very strong | $152.8M | 14.9% | 0.00% | vs |
| Firefighters Credit UnionCredit union Onalaska, WI | 83 out of 100, Strong | $133.0M | 16.1% | 0.57% | vs |
| The First National Bank of BangorBank Bangor, WI | 83 out of 100, Strong | $363.7M | 31.6% | 0.95% | vs |
| Union State BankBank West Salem, WI | 82 out of 100, Strong | $117.6M | 12.2% | 0.14% | vs |
| Gundersen Credit UnionCredit union LA Crosse, WI | 82 out of 100, Strong | $85.3M | 13.8% | 0.07% | vs |
| Westby Co-Op Credit UnionCredit union Westby, WI | 77 out of 100, Strong | $1.0B | 15.6% | 1.44% | vs |