B
Northern Lights Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
14.87
Leverage
Ratio
14.91
Return On
Assets
1.32%
Total
Assets
30.37M
Capital
4.29M
Total
Deposits
25.73M
Net
Income
202.00K
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Weiss Ratings Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Rating B
Asset Quality Index 9.70
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 8.20
Stability Index 7.00
Company Info Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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NCUA Charter Number 4049
Phone Number (802) 748-2288
Website www.northernlightscu.com
Asset Quality Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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1-Year Asset Growth 3.32%
5-Year Asset Growth 3.31%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans -0.06%
Non-Performing Assets to Assets 0.08%
Non-Performing Loans to Capital 0.52%
Non-Performing Loans to Loans 0.10%
Balance Sheet Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Total Assets 30.37M
Total Deposits 25.73M
Capital and Reserves Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Capital 4.29M
Leverage Ratio 14.91
Loan Loss Reserves to Loans 0.28%
Liquidity Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Hot Money Ratio 12.90%
Liquidity Ratio 23.12%
Profitability Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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5-Year Return on Average Assets 0.65%
Net Income 202.00K
Net Interest Spread 6.95%
Operating Profit to Average Assets 1.42%
Overhead Efficiency Ratio 73.82%
Return on Assets 1.32%
Return on Equity 9.62%