NORTHERN Credit Union Profile

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NORTHERN

Charter #68696 | NCUA Region 1 | FISCU

Low-Income Designation: Yes

Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (315) 782-0155

Fax: (315) 782-8684

Founding Date: N/A

Website: http://www.mynorthern.com

Personnel & Operations

President: Rowe, Gary

Manager: St. Hilaire, Daniel

FT Employees: 154

PT Employees: 1

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 10

Hours: MONDAY-FRIDAY 8-5

Credit Union Profile Summary

NORTHERN is a FISCU Credit Union. With a total of 45,059 members ^[1], this institution manages approximately $667,057,086 in total assets ^[1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 10.78% ^[1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.00% ^[1].

Financial Snapshot

Total Assets ^[1]

$667,057,086

Total economic resources.

Total Loans ^[1]

$529,752,917

Total value of outstanding loans.

Total Deposits ^[1]

$582,982,136

Total funds deposited by members.

Members ^[1]

45,059

Number of active members.

Performance Ratios

Net Worth Ratio ^[1]

10.78%

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]

0.15%

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

Loan-to-Share Ratio ^[1]

90.87%

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

Four-Quarter Growth

Asset Growth (4Q) ^[1]

↑ 6.54%

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

Loan Growth (4Q) ^[1]

↑ 1.00%

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

Member Growth (4Q) ^[1]

↑ 1.52%

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

Headquarters Location & Map

Headquarters Address

138 FACTORY ST

WATERTOWN, NY, 13601-1958

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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

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Branch Locations

Found 11 branches reported by NORTHERN (Charter #68696).

Main Office

Corporate Office Main Office

Type: Corporate Office

Type: Branch Office

1180 Commerce Park Dr E

Watertown, NY 13601-2277

Phone: (315) 785-5600

Services: Member Services, ATM, Drive-Thru

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Factory Branch

Type: Branch Office

120 Factory St

Watertown, NY 13601-1958

Phone: (315) 782-0155

Services: Member Services, ATM, Drive-Thru

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