# ALTRA
ONALASKA, WI · NCUA charter 24077 · asset band $1-10B · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/altra-24077

Who the members are: federal charter, multiple common bond, organized 1931, low-income designated. 158,923 members of 843,700 potential (18.8% of the field); checking penetration 66% (share draft accounts per 100 members); loans per 100 members 61.

**Verdict on the desk:** this could be *liquidity-tight*. Composite score 1 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $3.09B |
| Members | 158,923 (1.0% YoY) |
| Full-time staff | 477 |
| Net worth | $385.0M |
| Net worth ratio | 12.4% (p76 of band) |
| ROA (annualized) | 1.64% (p96 of band) |
| Total delinquency | 0.45% (p32 of band) |
| Net charge-offs (annualized) | 0.64% (p62 of band) |
| Loans / shares | 107% (p97 of band) |
| Cash / assets | 3.6% |
| Borrowings / assets | 3.78% |
| Net interest margin | 3.74% (p78 of band) |
| Operating expense / assets | 3.07% (p42 of band) |
| Vehicles % of loans | 22% (p39 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 51% |
| Third-party paper % of net worth | 90% (p37 of band) |
| Vehicle delinquency | 0.59% (p53 of band) |
| Vehicle NCO | 1.85% (p82 of band) |
| Repossessed % of vehicle book | 0.01% (p25 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 4% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 106% |
| Core shares % of member funds | 37% |
| Certificates % of member funds | 20% |
| Average share balance | $7,463 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $0 |
| Loans outstanding per 100 members | 61% |
| Loans granted per 100 members, annualized | 14% |
| Average loan balance | $28,197 |
| Loans granted, annualized | $1.20B |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $0 outstanding purchased (0.0% of net worth), $21.8M sold and retained. Sold in 1 and bought in 0 of the last 8 quarters. Shares 2.5% year over year.

## Flags firing in the latest filing

- **loans>95% of shares** (`str_ltos`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | loans>95% of shares, 3rd-party paper>100% NW |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 3 | leaning on borrowings |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 |  |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 3 |  |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 3 |  |  |
| 2019-06 | 4 | net worth falling |  |
| 2019-09 | 3 |  | net worth falling |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | delinquency rising |  |
| 2020-06 | 4 | net worth falling | delinquency rising |
| 2020-09 | 2 |  | leaning on borrowings, net worth falling |
| 2020-12 | 3 | delinquency 2x band |  |
| 2021-03 | 1 |  | loans>95% of shares, delinquency 2x band |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | delinquency 2x band |  |
| 2021-12 | 2 | loans>95% of shares | delinquency 2x band |
| 2022-03 | 2 |  |  |
| 2022-06 | 3 | net worth falling |  |
| 2022-09 | 4 | leaning on borrowings |  |
| 2022-12 | 4 |  |  |
| 2023-03 | 4 |  |  |
| 2023-06 | 4 |  |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | net worth falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | repo signal |  |
| 2024-12 | 3 |  | repo signal |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | 3rd-party paper>100% NW |
| 2025-09 | 1 |  | leaning on borrowings |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2025-09-18 [DCUC welcomes Altra Federal Credit Union to DCUC membership - CUInsight](https://news.google.com/rss/articles/CBMiogFBVV95cUxQLVFYRTJfdncwdkJ6R003ODBQTE0wRThPMEN0eTEybDNsVGxhOTVkYUQ5UGQzbzBPbWY2dXZhR2ZmUUtmTHlpb1BmSkpqTV9Od3pkblpnRHd4UFVYb0RJaU9FQTMzSVVqN0s1bk9mOTFJOFEwUlA0eGRXcWl1MlFMMU01MF83MTN1cTB0R294djEtbXJlTXY5M3UtRERFNFlCZXc?oc=5) · CUInsight
- 2026-06-26 [608 Brewing, Altra Federal Credit Union partner for limited edition beer - news8000.com](https://news.google.com/rss/articles/CBMiggJBVV95cUxPNEhuSWFJam4xdUhwZTVMNW5lbDV4NXJEZWY3bDNQaGhMWUs5RGZGWEZSMzJtZEliMV9uZnJSVGpBTjBlS1hTbGQxM2xWNGttM216aThiNXFfRHpfS1FfYzRablJtbUhmS1lfTzRkMXhfTWt2YVc4alVOM1lMd0xTdlVpb1dPZ2Mya2t1a0ZLdXE0ZE02MmU1c1ZqdDRjZUhKXzlFZVZuMUdNUDMybXZHVFlBRVF4RUc5Vm1rRmFTc2V3VHNod1VxTkc1eEViTW1hVGk2U013VFoyQ29XUWlPSUpLY0dtdy1yeDVLcVBOLUZBOGQwRGZGb25fM3B6UVN3Ymc?oc=5) · news8000.com
- 2022-04-07 [Altra Federal Credit Union partners with Zogo to offer digital financial education - Clarksville Online](https://news.google.com/rss/articles/CBMixwFBVV95cUxNYzhXWUJIakJFZVdyeVNXSE1nQ3RTR2pra0tfbGVReW9peHJYUzNOZVpOcU5WMnpBV1hBN2JpSXFuSC0zMzF4U05oOWlkQW1RQWRURlNvaHRMSkZHYlRXN2pqMmtRVHNTNm0xYmZ5NUJQR0NIcHZhVFJXUS1NQjF6WDRCcnRMdmRndzB2VEVac3pIcUlFRGo4UnN5VThwS2ZiR2lrOWVncGQwYmV5aWI4RjNwdU9vdUZjNnoyNjdUSHFJTTJWNEtn?oc=5) · Clarksville Online
- 2026-08-05 [Best Credit Union Bonus Promotions (September 2026) - Best Wallet Hacks](https://news.google.com/rss/articles/CBMia0FVX3lxTFA2QXB2VnhxSnB0eVBNTEc5LUphV2s2Z2FNVVJGVHJWWWZXeGJnUzFWQ0I3dlJjQnd4WDVUOFUzZVRVbGJlMkh6aVBqZWJ4MEpoM2NaZHFTVEhra0xJVkdpOE0zMnJjUFI3aFpr?oc=5) · Best Wallet Hacks
- 2024-09-12 [Thomas F. Brock Obituary Sep 12, 2024 - Schumacher-Kish Funeral and Cremation Services](https://news.google.com/rss/articles/CBMiZkFVX3lxTE10aWwxQTEzYlZzaW1tc3Q0NkNHeXIyVzR2TkRpa25xMENBUEczTzYtWEpWcE9DQ09vR085TGVkQjdPelFaMm5KRHFKLW1BQW5oTkJUUmlINGMtREdITWcxWWFZRFhvUQ?oc=5) · Schumacher-Kish Funeral and Cremation Services
- 2025-10-06 [Car crashes into bank in West Salem - news8000.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxNc3B6RkRVVF9XYVpSMWRpTkJtcU5yQ19PVFZHTW56ckJQeE9MN2JJT05sTGY2Um05NEdkNU1FMTQybFFqYWsxbXlDaUdfS3Q1V3ZhZ1NWalAyS3pxVVBnTnItRzZzVnBPR0w5ellIeXRGQTRwTDFkaXk1Snk0NHVvUmw0a0NDdGZ3Y3ZNX1BqMkRCdkRGVC13bTgtZUhtRHZ0Z0dITkxvV2ZVT1F5Q0VDanI5WGpENkp1c05yX1RvN1BkbHRTb0ZhRUp0QXVrVVdEd3lr?oc=5) · news8000.com
- 2024-02-19 [Sherry L. (Mandt) Osterlie - Coulee Cremation](https://news.google.com/rss/articles/CBMiYkFVX3lxTE9nQ1JYNUtDRW9rUVRSV19rcFJZV1BUOWRPWUNsR3ZqOHlRLXRHNXIyZmNEQ3pUdFNHdDc2UlBWZV8tQTdUVnh3bGFOMHlSQ0Z6OVo3N0RMemNFT0IyWFNIYTln?oc=5) · Coulee Cremation
- 2022-05-20 [Community shredding event coming up June 4 in Onalaska | Wake Up Wisconsin - wxow.com](https://news.google.com/rss/articles/CBMi1gFBVV95cUxNUENlRExId1NEeVJzeGlJOFM1LUF5eGFmWEU1VUZFTTN6U2szSGNfcUI2MEg2b2JPOF9pXzVRMW9nWGxQamlzR1dVYUY5bjhWVzRpcUwwYnEtMVlqbnJXZ2ZYWk9qLW1xR2VjSlVlRk1CTmZQaER0STVEWFh5NlY3THZFc0x0Nm14QjV0Y1BLdlBUNkdTQmItcmRnOUJRS3ZXMkF4bEl0UUJ2cGxDV1ZISFlwMnUySjFCYThoYnF0aGd4aEdkeTZHSGp4c2t6OFd3XzhFVVhn?oc=5) · wxow.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=24077 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/13.json (key "24077", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=24077
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide