Altana Federal Credit Union
Total assets
$660.2M
▲ +8.4% YoY
Shares & deposits
$584.0M
▲ +8.0% YoY
Loans
$486.7M
▲ +7.1% YoY
Members
40,056
▲ +2.4% YoY
ROA (annualized)
0.73%
peers 0.62%
ROE (annualized)
6.58%
peers 5.92%
Peer comparison 284 credit unions with 500M-1B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.4% | +4.8% | +3.6 pts |
| Share growth (YoY) | +8.0% | +4.3% | +3.7 pts |
| Loan growth (YoY) | +7.1% | +4.3% | +2.8 pts |
| ROA | 0.73% | 0.62% | +0.1 pts |
| ROE | 6.6% | 5.9% | +0.7 pts |
ROA ranks in the 58th percentile of its peer group · Q1 2026
Profile
- Established
- 1949
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3212 Central Ave, Billings, MT, 59102
- NCUA charter #
- 6275
- RSSD ID
- 782986
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $660.2M | $584.0M | $486.7M | $73.4M | $1.2M | 0.73% | 3.88% | 0.80% | 40,056 |
| Q4 2025 | $633.9M | $558.4M | $483.7M | $72.2M | $6.3M | 0.99% | 3.88% | 0.73% | 39,750 |
| Q3 2025 | $615.1M | $542.0M | $475.6M | $70.2M | $4.3M | 0.94% | 3.95% | 0.86% | 39,710 |
| Q2 2025 | $610.1M | $532.1M | $468.0M | $68.7M | $2.8M | 0.93% | 3.94% | 0.82% | 39,361 |
| Q1 2025 | $609.1M | $540.8M | $454.3M | $66.9M | $1.0M | 0.66% | 3.77% | 0.62% | 39,134 |
| Q4 2024 | $595.3M | $527.6M | $440.4M | $65.9M | $5.5M | 0.93% | 3.63% | 0.71% | 38,928 |
| Q3 2024 | $583.2M | $517.4M | $432.2M | $64.2M | $3.9M | 0.88% | 3.63% | 0.76% | 38,873 |
| Q2 2024 | $579.7M | $516.3M | $425.7M | $63.1M | $2.2M | 0.76% | 3.56% | 0.78% | 38,667 |
Loan mix (Q1 2026): real estate $189.0M · commercial $56.9M · consumer $208.8M · securities $82.2M
Ratio pack Q1 2026 · peer medians from 284 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.73% | 0.62% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.6% | 5.9% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.48% | 79th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.2% | 78.3% | 59th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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