Credit Union Safety Analysis
Is Northern Federal Credit Union Safe?
Based on its Q2 2026 NCUA 5300 call report, Northern Federal Credit Union has a net worth ratio of 10.48%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.32%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Northern Federal Credit Union's net worth ratio is 10.48%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 10.48%
- Delinquency ratio (60+ days) (Q2 2026): 1.32%
- Return on assets (Q2 2026): not reported
- Loan-to-share ratio (Q2 2026): 91.45%
Member deposits (shares) at Northern Federal Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which covers $250,000 per member, per credit union, per ownership category.
Context: what these ratios mean · how we score.
A health scorecard for Northern Federal Credit Union against standard NCUA supervisory thresholds for capital, asset quality, earnings, and liquidity. Based on the Q2 2026 NCUA 5300 call report. Northern Federal Credit Union reported $698.2M in assets and 45,532 members on its latest 5300 filing. It is based in Watertown, New York.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher, and adequately capitalized at 6%.
The share of loans 60 or more days delinquent. Lower is better. NCUA sets no threshold; our reference band passes 1% or less and fails above 2%.
The latest quarter's net income, annualized, as a share of total assets. Sustained positive earnings build net worth. NCUA sets no threshold; our reference band passes 0.5% or more and fails below 0%.
Loans as a share of member deposits (shares). Very high ratios can signal tighter on-hand liquidity. NCUA sets no threshold; our reference band passes 85% or less and fails above 100%.
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This scorecard is an automated comparison of public NCUA 5300 figures against NCUA's net worth levels and, for delinquency, ROA and loan-to-share (where NCUA sets no threshold), BankRegReports reference bands. It is not a credit rating, an NCUA examination result, or financial advice. Member deposits at federally insured credit unions are protected by the NCUSIF up to at least $250,000 per member. See the full Northern Federal Credit Union profile or how this data updates.
Regulator records: NCUA credit union profile (charter 24989) · FFIEC NIC profile (RSSD 194981)
Frequently asked questions
Is Northern Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Northern Federal Credit Union's net worth ratio is 10.48%, above the 7% NCUA threshold for well capitalized.
Are deposits at Northern Federal Credit Union insured?
Yes. Member deposits (shares) at Northern Federal Credit Union are insured by the National Credit Union Share Insurance Fund (NCUSIF), which covers $250,000 per member, per credit union, per ownership category.
What are Northern Federal Credit Union's key safety ratios?
For Q2 2026, Northern Federal Credit Union reports net worth 10.48%, delinquency 1.32%, ROA not reported, loan-to-share 91.45%.
What happens to my money if Northern Federal Credit Union fails?
NCUA pays insured shares if an insured credit union fails. Coverage is $250,000 per member, per credit union, per ownership category, backed by the full faith and credit of the United States.