C
North Towns Federal Credit Union
Rating Date
September 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings North Towns Federal Credit Union
Clarence, NY
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Rating C
Asset Quality Index 9.50
Capitalization Index 6.30
Liquidity Index 3.20
Profitability Index 7.10
Stability Index 4.40
Company Info North Towns Federal Credit Union
Clarence, NY
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NCUA Charter Number 2021
Phone Number (716) 630-0888
Website www.northtownsfcu.com
Asset Quality North Towns Federal Credit Union
Clarence, NY
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1-Year Asset Growth 9.11%
5-Year Asset Growth 10.99%
5-Year Charge-Offs to Average Loans 0.22%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 1.53%
Non-Performing Loans to Loans 0.24%
Balance Sheet North Towns Federal Credit Union
Clarence, NY
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Total Assets 48.55M
Total Deposits 44.22M
Capital and Reserves North Towns Federal Credit Union
Clarence, NY
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Capital 4.25M
Leverage Ratio 8.80
Loan Loss Reserves to Loans 0.43%
Liquidity North Towns Federal Credit Union
Clarence, NY
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Hot Money Ratio 15.53%
Liquidity Ratio 16.81%
Profitability North Towns Federal Credit Union
Clarence, NY
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5-Year Return on Average Assets 0.96%
Net Income 300.00K
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.41%
Overhead Efficiency Ratio 62.36%
Return on Assets 1.28%
Return on Equity 14.75%