Federal credit union · BURLINGTON, Vermont · NCUA charter #24312
North Country
Health score 92/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 92
- Health / 100
- $1.08B
- Total assets
- 77,854
- Members
- 9.5%
- Net-worth ratio
North Country scores 92/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.08B; members 77,854; net-worth ratio 9.47%; health rank #849 of 4,374; healthier than 80th of scored peers.
Federal Call Report extract
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North Country vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); North Country sits in 90-94 with 747 others.
92 Top 20% higher than 80% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
North Country vs Over $500M peers
- Loan-to-Share Ratio leads the peer set - 93.26% here, 83.90% peer average (+9.36 pp).
- Widest shortfall vs peers is Net Worth Ratio: -1.71 pp (9.47% vs 11.18%).
North Country in Vermont
- In Vermont, health place is #6 of 14 on the same NCUA-ratio sort used nationally.
- Assets rank #2 of 14 inside Vermont ($1.08B reported).
- Membership ranks #2 of 14 among Vermont CUs with a reported count (77,854 members).
- One place up in Vermont, EASTRISE (#5) ties at 92/100; one place down, Northern Lights (#7) scores 85/100, 7 points lower.
North Country: 2025Q4 → 2026Q1
North Country: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.3% from $1.08B (2025Q4) to $1.13B (2026Q1).
- Net-worth ratio shifted -0.28 pp (9.75% → 9.47%).
At 9.47%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 92/100 score is built
North Country gives up 8 points in total. Delinquency Rate costs the most, 5.4 of its 25; Return on Assets and Member Growth score full marks.
- Net Worth Ratio 28.7 pts
- Delinquency Rate 19.6 pts
- Return on Assets 15.0 pts
- Member Growth 15.0 pts
- Loan-to-Share Ratio 13.7 pts
North Country health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.47% | -1.71 pp |
| Delinquency Rate | 1.05% | +0.17 pp |
| Return on Assets | 0.59% | +0.08 pp |
| Member Growth | 5.08% | - |
| Loan-to-Share Ratio | 93.26% | +9.36 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
North Country quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.13B | - |
| 2025Q4 | $1.08B | 77,854 |
| 2024Q4 | $995.7M | 74,091 |
| 2023Q4 | $951.4M | 70,352 |
Credit Union Details
- Charter Number
- 24312
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- Over $500M
- State
- Vermont
- City
- BURLINGTON
- Data Quarter
- 2025Q4
Branch Locations (13)
Per its most recent NCUA branch filing, North Country runs 13 offices in 12 different cities across 2 states.
| Office | City |
|---|---|
| Main Office (Main Office) | S Burlington, VT |
| Alburgh | Alburgh, VT |
| Berlin | Barre, VT |
| Barre | Barre, VT |
| North Ave | Burlington, VT |
| Colchester | Colchester, VT |
| East Montpelier | E Montpelier, VT |
| Lyndonville | Lyndonville, VT |
| Mooers | Mooers, NY |
| Morrisville | Morrisville, VT |
| Newport | Newport, VT |
| Orleans | Orleans, VT |
| Richford | Richford, VT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Vermont
More federally-insured credit unions based in Vermont, ordered by peer group match and asset size.
Other-state peers near North Country
Using this data
- North Country ranks #849 of 4,374 nationally on financial health and #6 of 14 in VT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- VERMONT is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with VERMONT
Frequently Asked Questions
Is North Country financially healthy?
On its 2025Q4 NCUA 5300 filing, North Country scores 92/100 (Excellent), with a 9.47% net worth ratio and 1.05% of loans delinquent. It ranks #849 of 4,374 nationally on health and #6 of 14 in Vermont.
How does North Country compare to other credit unions?
North Country scores 92/100, higher than 80% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (93.26% vs 83.90%). Its widest shortfall is net worth ratio (9.47% vs 11.18%).
How can I join North Country?
North Country operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact North Country directly for the exact boundaries and application steps.
Is my money safe at North Country?
North Country is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. North Country's net worth ratio of 9.47% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.