Altana Credit Union

Altana Credit Union is headquartered in Billings and is the 3^rd largest credit union in the state of Montana. It is also the 854^th largest credit union in the nation. It was established in 1949 and as of December of 2011, it had grown to 77 employees and 20,598 members. Altana Credit Union's savings rates are 63% higher than the national average, and it boasts a 5-star health rating.

Altana Credit Union Savings Account Rates

Altana Credit Union Money Market Rates

Data for Q4 2011

Institution Statistics ALTANA NCUA # 6275 BankRate Report View Year Chartered 1949 Employees 77 Primary Regulator Assets and Liabilities Assets $201.72 million Loans $121.20 million Deposits $178.65 million Equity Capital $21.55 million Loan Loss Allowance $1.23 million Unbacked Noncurrent Loans $939,000 Historic Data - December 2010 Assets $198.72 million Equity Capital $19.53 million Loan Loss Allowance $2.31 million Unbacked Noncurrent Loans $2.69 million Profit Margin - Quarterly Net Interest Margin 5.65% Return on Assets 0.93% Return on Equity 8.69% Interest Income $8.01 million Non-Interest Income $3.33 million

Institution Health Overall Score: 5 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Altana Credit Union had $939,000 in non-current loans and owned real-estate with $22.78 million in equity and loan loss allowances on hand to cover it. This gives Altana Credit Union a Texas Ratio of 4.12% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Altana Credit Union decreased significantly from 12.32% as of December 31, 2010 to 4.12% as of December 31, 2011, resulting in a positive change of 66.54%.This indicates that the balance sheet and financial strength for Altana Credit Union has improved significantly in recent periods. Deposit Growth In the past year, Altana Credit Union has increased its total deposits by $534,000, resulting in 0.3% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Altana Credit Union has shown is average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Altana Credit Union has $201.72 million in assets with $22.78 million in equity, resulting in a capitalization level of 11.29%, which is above average.

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