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Northern
WATERTOWN, NY · NCUA Charter #24989 · Federal charter · Chartered 1955
Total assets
$698.20M
Shares & deposits
$614.66M
Total loans
$562.11M
Members
45,532
Net worth
$71.18M
Branches
11
Rank: #632 of 4,299 U.S. credit unions by assets · #31 of 268 in New York. Assets changed - and membership - over the year to June 30, 2026.
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Key ratios
| Net worth ratio (capital) | 10.48% |
| Return on assets (annualized, approx.) | 0.00% |
| Delinquent loans, 2+ months (share of loans) | 1.22% |
| Loans to shares & deposits | 91.4% |
| Net income (YTD) | $0 |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2026 | $698.20M | $614.66M | $0 | $71.18M |
Branch footprint
| State | Branches |
|---|---|
| New York | 11 |
Similar-sized credit unions
We Florida Financial ($700.49M) · Innovations Financial ($696.08M)
Source: NCUA Call Report (Form 5300) as of June 30, 2026. Credit unions are member-owned cooperatives; deposits are insured by the NCUSIF. See methodology.
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