NORTHERN LIGHTS Credit Union Profile

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NORTHERN LIGHTS

Charter #24878 | NCUA Region 1 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (802) 748-2288

Fax: (802) 748-6570

Founding Date: N/A

Website: http://www.northernlightscu.com

Personnel & Operations

President: Winn, Greg

Manager: Revilla, Rita

FT Employees: 9

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 3

Hours: 9 - 5 M - Th 9 - 6 Friday 8:30 - 12 Satur

Credit Union Profile Summary

NORTHERN LIGHTS is a FCU Credit Union. With a total of 3,509 members [1], this institution manages approximately $30,313,715 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 14.76% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.68% [1].

Financial Snapshot

Total Assets [1]
$30,313,715

Total economic resources.

Total Loans [1]
$22,371,287

Total value of outstanding loans.

Total Deposits [1]
$25,730,368

Total funds deposited by members.

Members [1]
3,509

Number of active members.

Performance Ratios

Net Worth Ratio [1]
14.76%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
1.31%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
86.95%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↑ 3.32%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.68%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -14.85%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1004 Memorial Dr

Saint Johnsbury, VT, 05819
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 3 branches reported by NORTHERN LIGHTS (Charter #24878).

Main Office

Main Office Main Office

Type: Corporate Office

1004 Memorial Dr

Saint Johnsbury, VT 05819

Phone: (802) 748-2288

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Alstead

Langdon, NH

Type: Branch Office

181 River St

Alstead, NH 03602

Phone: (603) 835-2479

Services: Member Services, ATM, Drive-Thru

Open in Directions

Littleton

Branch

Type: Branch Office

218 Dells Rd

Littleton, NH 03561

Phone: (603) 444-9964

Services: Member Services, ATM, Drive-Thru

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