B
North Country Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
9.34
Leverage
Ratio
9.62
Return On
Assets
0.74%
Total
Assets
1.09B
Capital
101.65M
Total
Deposits
960.84M
Net
Income
5.80M
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Weiss Ratings North Country Federal Credit Union
South Burlington, VT 		Click to
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Rating B
Asset Quality Index 7.10
Capitalization Index 6.90
Liquidity Index 2.20
Profitability Index 6.20
Stability Index 5.70
Company Info North Country Federal Credit Union
South Burlington, VT 		Click to
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NCUA Charter Number 4039
Phone Number (802) 657-6847
Website www.northcountry.org
Asset Quality North Country Federal Credit Union
South Burlington, VT 		Click to
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1-Year Asset Growth 7.52%
5-Year Asset Growth 8.70%
5-Year Charge-Offs to Average Loans 0.29%
Charge-Offs to Average Loans 0.43%
Non-Performing Assets to Assets 0.71%
Non-Performing Loans to Capital 7.13%
Non-Performing Loans to Loans 0.88%
Balance Sheet North Country Federal Credit Union
South Burlington, VT 		Click to
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Total Assets 1.09B
Total Deposits 960.84M
Capital and Reserves North Country Federal Credit Union
South Burlington, VT 		Click to
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Capital 101.65M
Leverage Ratio 9.62
Loan Loss Reserves to Loans 0.82%
Liquidity North Country Federal Credit Union
South Burlington, VT 		Click to
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Hot Money Ratio 14.32%
Liquidity Ratio 14.24%
Profitability North Country Federal Credit Union
South Burlington, VT 		Click to
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5-Year Return on Average Assets 0.77%
Net Income 5.80M
Net Interest Spread 4.20%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 77.33%
Return on Assets 0.74%
Return on Equity 7.93%