Northern Lights Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.7 and a net worth ratio of 13.7. A current level of 0.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.8).
Other Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Excellent (7.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10).
Asset Mix:
Consumer loans (40%), home mtgs (12%), comm loans (2%), other (46%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1004 Memorial Drive
Saint Johnsbury, VT 05819
Saint Johnsbury, VT 05819
Phone Number
(802) 748-2288
NCUA Charter Number
Website
Largest Competitors
Williston, VT
South Burlington, VT
South Burlington, VT
Rutland, VT
Barre, VT