B
Northern Lights Federal Credit Union
Rating Date
July 2025
Net Capital
Ratio
13.86
Leverage
Ratio
13.90
Return On
Assets
1.55%
Total
Assets
30.36M
Capital
4.21M
Total
Deposits
26.05M
Net
Income
120.00K
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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 8.70
Capitalization Index 10.00
Liquidity Index 3.50
Profitability Index 6.60
Stability Index 6.30
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 3.17%
5-Year Asset Growth 3.31%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.07%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Total Assets 30.36M
Total Deposits 26.05M
Capital and Reserves Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Capital 4.21M
Leverage Ratio 13.90
Loan Loss Reserves to Loans 0.27%
Liquidity Northern Lights Federal Credit Union
Saint Johnsbury, VT 		Click to
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Hot Money Ratio 5.53%
Liquidity Ratio 22.03%
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 120.00K
Net Interest Spread 7.53%
Operating Profit to Average Assets 1.80%
Overhead Efficiency Ratio 84.21%
Return on Assets 1.55%
Return on Equity 11.57%