Northern is a state-chartered credit union headquartered in Watertown, NY, chartered in 1955. Here are the key facts and most recent NCUA Call Report figures.

The basics

  • Headquarters: Watertown, NY
  • Chartered: 1955
  • Charter type: State-chartered credit union (charter #68696)
  • Field of membership: State Charter – Various
  • CEO: St. Hilaire
  • Members: 45,070
  • Total assets: $678,390,024
  • Designations: Low-Income Designated
  • Website: mynorthern.com

Performance (2025-Q4)

  • Net worth ratio: 10.42%
  • Return on assets: 0.23%
  • Delinquency: 0.76%
  • Net charge-offs: 0.37%
  • Loan-to-share: 91.6%
  • Net interest margin: 3.62%
  • Efficiency ratio: 95.6%

See Northern's full financial profile on CU Wire Data →

Source: NCUA Call Report, 2025-Q4. Figures are as reported by the credit union.