Altra Federal Credit Union La Crosse, Wisconsin
Altra Federal Credit Union is a federal credit union headquartered in La Crosse, WI, established in 1979 (NCUA charter 24077), and it is regulated and insured by the NCUA. At Q2 2026 it reported 160,726 members and total assets of $3.14B (up 4.5% from Q2 2025), the 10th largest of 98 credit unions headquartered in Wisconsin. Its net worth ratio was 12.68% at Q2 2026, in the well capitalized band.
Also written as Altra FCU · Trade names filed with the NCUA: Altra and SAM-E
BankRegReports is independent of Altra Federal Credit Union and never asks for online banking logins or passwords.
Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24077
- Headquarters
- La Crosse, WI
- Established
- 1979
- Total assets, Q2 2026
- $3.14B
- Assets vs Q2 2025
- +4.5%
- Members, Q2 2026
- 160,726
- Net worth ratio, Q2 2026
- 12.68%
- Latest call report
- Q2 2026, NCUA 5300 · Altra Federal Credit Union call report
- Asset rank in state
- 10th of 98 in Wisconsin
- Routing number
- 291881216
- Branches
- 18
It has 3,583 more members than on June 30, 2025 (+2.3%). Its net worth ratio was up 1.05 percentage points from 11.63% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $1.49B of $2.83B in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.46% is below the 0.68% median of the 454 credit unions with $1B to $10B in assets for Q2 2026. Its 12.68% net worth ratio is above that band's 10.89% median.
Frequently asked about Altra Federal Credit Union
How big is Altra Federal Credit Union?
At Q2 2026 it reported total assets of $3.14B and 160,726 members.
Where is Altra Federal Credit Union headquartered?
It is headquartered in La Crosse, WI, United States.
When was Altra Federal Credit Union founded?
It was established in 1979, per NCUA records.
Is Altra Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24077): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Altra Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Altra Federal Credit Union well capitalized?
Its net worth ratio was 12.68% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Altra Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.46% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Altra Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 109.84% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- La Crosse, WI 54601
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1979
- NCUA Charter #
- 24077
- RSSD ID
- 855497
- Members
- 160,726
- Potential members
- 843,700
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 454 credit unions with $1B to $10B in assets, as of Q2 2026. It is in the top quartile on 4 of 7 ranked measures and in the bottom quartile on 1.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 12.63% | 12.68% | 10.89% | 75th top |
| Return on assets Middle half of peers: 0.59% to 1.25% | 1.70% | 0.89% | over 90th top |
| Return on equity Middle half of peers: 5.37% to 10.92% | 13.39% | 8.07% | 89th top |
| Net interest margin Middle half of peers: 3.05% to 3.80% | 3.76% | 3.45% | 72nd above |
| Efficiency ratio Middle half of peers: 63.16% to 77.23% | 57.97% | 70.59% | 87th top |
| Cost of funds Middle half of peers: 1.37% to 1.99% | 2.39% | 1.68% | under 10th bottom |
| Delinquency ratio Middle half of peers: 0.45% to 1.05% | 0.46% | 0.68% | 74th above |
| Yield on assets Middle half of peers: 4.70% to 5.46% | 6.15% | 5.12% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 78.23% to 95.19% | 109.84% | 88.03% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$3.14B total assets against $3.01B; $2.58B total shares and deposits against $2.48B; $2.83B total loans against $2.63B.
$398.3M net worth against $350.0M.
12.68% net worth ratio against 11.63%.
109.84% loan-to-share ratio against 105.99%.
0.46% delinquency ratio against 0.63%.
1.70% return on assets against 1.66%; 13.39% return on equity against 14.28%.
3.76% net interest margin against 3.53%.
160,726 members against 157,143.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 12.68% | 1.70% | 0.46% | 109.84% |
| March 31, 2026 | 12.44% | 1.64% | 0.45% | 106.99% |
| December 31, 2025 | 12.22% | 1.72% | 0.61% | 107.02% |
| September 30, 2025 | 12.01% | 1.57% | 0.64% | 105.79% |
| June 30, 2025 | 11.63% | 1.66% | 0.63% | 105.99% |
| March 31, 2025 | 11.20% | 1.22% | 0.46% | 103.70% |
Scroll sideways to see every column.
Watch flags
Loans outstanding exceed total member shares (deposits). The credit union is funding the gap with borrowings or non-member sources that are more rate-sensitive and less stable than core member deposits. Industry heuristic, not a supervisory threshold.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.