State credit union · WATERTOWN, New York · NCUA charter #68696
NORTHERN
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $678.4M
- Total assets
- 45,070
- Members
- 10.5%
- Net-worth ratio
NORTHERN scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $678.4M; members 45,070; net-worth ratio 10.53%; health rank #1,490 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,490 of 4,374 health · 2025Q4NORTHERN · health 88/100 · $678.4M · 2025Q4
Call Report peers
NORTHERN in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
NORTHERN vs every NCUA-scored credit union
NORTHERN sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% 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
NORTHERN: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 91.63% vs peer 83.90% (+7.73 pp).
- Net Worth Ratio trails the peer set - 10.53% here, 11.18% peer average (-0.65 pp).
NORTHERN: in-state Call Report ranks
- New York health ordinal: #83 of 272.
- Assets rank #31 of 272 inside New York ($678.4M reported).
- Membership ranks #28 of 272 among New York CUs with a reported count (45,070 members).
- One place up in New York, TEACHERS (#82) ties at 88/100; one place down, TCT (#84) ties at 88/100.
NORTHERN Call Report trajectory
NORTHERN: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.5% from $678.4M (2025Q4) to $682.1M (2026Q1).
- Net-worth ratio shifted -0.09 pp (10.62% → 10.53%).
This credit union's 10.53% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 88/100 score is built
NORTHERN gives up 12 points in total. Member Growth costs the most, 4.4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.4 pts
- Return on Assets 11.1 pts
- Member Growth 10.6 pts
- Loan-to-Share Ratio 13.9 pts
NORTHERN vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 10.53% | -0.65 pp |
| Delinquency Rate | 0.76% | -0.11 pp |
| Return on Assets | 0.24% | -0.27 pp |
| Member Growth | 1.35% | - |
| Loan-to-Share Ratio | 91.63% | +7.73 pp |
Peer averages: Over $500M cohort, 749 credit unions, 2025Q4 filing.
NORTHERN quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $682.1M | - |
| 2025Q4 | $678.4M | 45,070 |
| 2024Q4 | $634.2M | 44,471 |
| 2023Q4 | $602.2M | 43,901 |
Credit Union Details
- Charter Number
- 68696
- Type
- State
- Field of Membership
- Other
- Peer Group
- Over $500M
- State
- New York
- City
- WATERTOWN
- Data Quarter
- 2025Q4
Branch Locations (11)
NORTHERN operates 11 offices across 9 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Corporate Office (Main Office) | Watertown, NY |
| Adams Branch | Adams, NY |
| West Carthage Branch | Carthage, NY |
| Croghan Branch | Croghan, NY |
| Countryside Credit Union - Division of Northern Credit Union | East Syracuse, NY |
| LeRay Branch | Evans Mills, NY |
| Gouverneur Branch | Gouverneur, NY |
| Lowville Branch | Lowville, NY |
| Massena Relationship Center | Massena, NY |
| Factory Branch | Watertown, NY |
| Commerce Park Branch | Watertown, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
More federally-insured credit unions based in New York, ordered by peer group match and asset size.
Cross-state Call Report peers for NORTHERN
Using this data
- NORTHERN ranks #1,490 of 4,374 nationally on financial health and #83 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cornerstone Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cornerstone Community
Frequently Asked Questions
Is NORTHERN financially healthy?
On its 2025Q4 NCUA 5300 filing, NORTHERN scores 88/100 (Excellent), with a 10.53% net worth ratio and 0.76% of loans delinquent. It ranks #1,490 of 4,374 nationally on health and #83 of 272 in New York.
How does NORTHERN compare to other credit unions?
NORTHERN scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 749 peers in the Over $500M cohort, its widest edge is loan-to-share ratio (91.63% vs 83.90%). Its widest shortfall is net worth ratio (10.53% vs 11.18%).
How can I join NORTHERN?
Membership eligibility for NORTHERN depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact NORTHERN directly for current membership requirements and application steps.
Is my money safe at NORTHERN?
NORTHERN is a state-chartered 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. NORTHERN's net worth ratio of 10.53% 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.