Charter 24878 · Saint Johnsbury, VT
Northern Lights Federal Credit Union
Northern Lights Federal Credit Union is a federally chartered credit union in Saint Johnsbury, Vermont, with $42.8 million in assets and 4,067 members as of June 30, 2026, according to the call report it filed with NCUA. Its net worth ratio was 14.34%, well above the 7% that NCUA's rules treat as well capitalized.
- Total assets
- $42.8 million
- +41.0% in a year
- Members
- 4,067
- +15.9% in a year
- Net worth ratio
- 14.34%
- Peer median 13.88%
- Loans 60+ days late
- 0.29%
- Peer median 0.68%
- Loans outstanding
- $29.2 million
- +30.6% in a year
- Shares and deposits
- $36.2 million
- +40.7% in a year
- Branches
- 4
- 12 employees
- Opened
- 1951
- Federal charter
How Northern Lights Federal Credit Union compares
NCUA groups credit unions by size; Northern Lights Federal Credit Union is in the group with $10 million to $50 million (1,135 credit unions). Its net worth ratio of 14.34% is higher than that group's median of 13.88%, and its share of loans 60 or more days past due, 0.29%, is lower than the group median of 0.68%. Loans grew 30.6% over the year to Q2 2026, against a group median of a 2.4% fall.
By assets it ranks 8 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 | $42.8 million | 4,067 | $29.2 million | 14.34% | 0.29% |
| Q1 2026 | $43.7 million | 4,166 | $28.0 million | 14.41% | 0.37% |
| Q4 2025 | $41.3 million | 2,868 | $28.3 million | 14.40% | 0.49% |
| Q3 2025 | $42.7 million | 4,953 | $28.5 million | 13.67% | 0.06% |
| Q2 2025 | $30.4 million | 3,509 | $22.4 million | 14.91% | 0.10% |
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 713,027 potential members. It holds NCUA's low-income designation, which lets it accept non-member deposits and raise secondary capital.
Credit unions that anyone in the US can join
Locations
NCUA's branch file lists 4 sites for Northern Lights 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.
- Branch
218 Dells Rd, Littleton, NH 03561 - Main Office (main office)
1004 Memorial Dr, Saint Johnsbury, VT 05819 - Langdon, NH
181 River St, Alstead, NH 03602 - Claremont
98 Charlestown Rd, Claremont, NH 03743
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