Charter 24312 · Burlington, VT
North Country Federal Credit Union
North Country Federal Credit Union is a federally chartered credit union in Burlington, Vermont, with $1.14 billion in assets and 79,521 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 9.72%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $1.14 billion
- +7.4% in a year
- Members
- 79,521
- +4.8% in a year
- Net worth ratio
- 9.72%
- Peer median 10.79%
- Loans 60+ days late
- 1.09%
- Peer median 0.67%
- Loans outstanding
- $915 million
- +7.9% in a year
- Shares and deposits
- $1.00 billion
- +5.1% in a year
- Branches
- 13
- 215 employees
- Opened
- 1950
- Federal charter
How North Country Federal Credit Union compares
NCUA groups credit unions by size; North Country Federal Credit Union is in the group with $500 million and up (759 credit unions). Its net worth ratio of 9.72% is lower than that group's median of 10.79%, and its share of loans 60 or more days past due, 1.09%, is higher than the group median of 0.67%. Loans grew 7.9% over the year to Q2 2026, against a group median of 5.3% growth.
By assets it ranks 3 of 12 credit unions headquartered in Vermont. See all Vermont credit unions.
Five quarters of figures
| Quarter | Assets | Members | Loans | Net worth ratio | 60+ days late |
|---|---|---|---|---|---|
| Q2 2026 | $1.14 billion | 79,521 | $915 million | 9.72% | 1.09% |
| Q1 2026 | $1.13 billion | 78,661 | $894 million | 9.47% | 0.81% |
| Q4 2025 | $1.08 billion | 77,854 | $891 million | 9.75% | 1.05% |
| Q3 2025 | $1.09 billion | 77,144 | $879 million | 9.62% | 0.88% |
| Q2 2025 | $1.06 billion | 75,907 | $847 million | 9.57% | 0.97% |
Assets Members
Who can join
The field of membership is the group a credit union is allowed to serve: people who live or work in an area, employees of certain companies, members of an association, and their families. The credit union's own website has the exact rules. On its call report it estimates its field of membership at about 400,000 potential members.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 13 sites for North Country Federal Credit Union. The branch count in the figures above comes from its call report, which is filed separately, so the two can differ slightly.
- Main Office (main office)
69 Swift St, S Burlington, VT 05403 - East Montpelier
49 Carleton Blvd., E Montpelier, VT 05651 - Colchester
39 Lower Mountain View Dr, Colchester, VT 05446 - Lyndonville
854 Center Street, Lyndonville, VT 05851 - Orleans
12 Main St, Orleans, VT 05860 - Berlin
3336 Airport Rd, Barre, VT 05641 - Alburgh
37 S Main St, Alburgh, VT 05440 - North Ave
1049 North Ave, Burlington, VT 05408 - Newport
1474 E Main St, Newport, VT 05855 - Morrisville
37 Upper Munson Ave, Morrisville, VT 05661 - Barre
328 N Main St, Barre, VT 05641 - Richford
80 Main St, Richford, VT 05476 - Mooers
2488 State Route 11, Mooers, NY 12958
About these numbers
Figures come from the NCUA 5300 Call Report quarterly data for Q2 2026 (quarter ended June 30, 2026), which each credit union files itself. "60+ days late" is delinquent loans of two months or more divided by total loans. Peer medians are computed across every credit union in the same NCUA asset-size group. NCUA call report data · Methodology