Northern Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
Northern Credit Union is a federally insured credit union headquartered in Watertown, NY, established in 1955. As of June 30, 2026, it served 45,532 members and reported total assets of $698.2M. All figures are standardized from the credit union's NCUA 5300 call report.
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Frequently asked about Northern Credit Union
How big is Northern Credit Union?
Northern Credit Union reported approximately $698.2M in total assets and 45,532 members as of Q2 2026.
Is Northern Credit Union well capitalized?
Its net worth ratio was 10.48%. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
Credit Union Profile
- Headquarters
- Watertown, NY 13601
- Charter Type
- State-chartered credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1955
- NCUA Charter #
- 24989
- RSSD ID
- 194981
- Members
- 45,532
- Potential members
- 1,020,509
Size & Membership
Profitability
Capital & Asset Quality
Net worth category is computed by BankRegReports from the net worth ratio, using NCUA's 7, 6, 4 and 2 percent thresholds. It is not NCUA's determination, which can differ.
Peer comparison: credit unions of similar size
Northern Credit Union ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 0 of 2 ranked measures and in the bottom quartile on 1. Rank is the estimated share of peers this credit union outperforms; the tag compares it with the median peer. Percentiles are interpolated from the peer group's 10th, 25th, 50th, 75th and 90th percentile values.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.48% | 11.43% | 35th below |
| Return on assets Middle half of peers: 0.43% to 1.23% | not on file | 0.81% | not on file |
| Return on equity Middle half of peers: 3.87% to 9.84% | not on file | 7.02% | not on file |
| Net interest margin Middle half of peers: 3.30% to 4.10% | not on file | 3.70% | not on file |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | not on file | 76.55% | not on file |
| Cost of funds Middle half of peers: 0.92% to 1.56% | not on file | 1.24% | not on file |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 1.32% | 0.68% | 20th bottom |
| Yield on assets Middle half of peers: 4.53% to 5.37% | not on file | 4.92% | not on file |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 91.45% | 75.66% | 85th position only |
Quarterly trend: last 1 quarters
Quarter-over-quarter movement in the four ratios NCUA watches most, from Northern Credit Union's own NCUA 5300 call report filings.
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.48% | — | 1.32% | 91.45% |
Scroll sideways to see every column.
Watch flags
Automated conditions triggered on this credit union's latest NCUA 5300 filing. Advisory only, not a prediction. Each flag is tagged Regulatory when it cites an official NCUA threshold, or BRR analysis when it's our own band.
Loans 60+ days delinquent exceed 1% of the loan book, above the typical credit-union range. Worth watching the trend in coming quarters. BankRegReports early-warning band.
Source: NCUA 5300 Call Report, standardized by BankRegReports. Credit unions are insured by the National Credit Union Share Insurance Fund (NCUSIF), not the FDIC. See how often this data updates or learn more about our data.