North Country Federal Credit Union (NCUA charter #24312) is based in Burlington, Vermont. Its Q2 2026 call report shows $1.1B in total assets and $1.0B in member shares and deposits and 10 offices.
Based on its Q2 2026 filing, North Country Federal Credit Union scores 59/100, which we describe as moderate. That is higher than only 22% of 454 credit unions with $1 billion – $10 billion. Among 12 credit unions headquartered in Vermont, it ranks 7th. Its strongest component is problem-loan coverage (82/100; 9.1%), and its lowest is capital cushion (47/100; 9.72%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (57 → 59), mostly because the earnings component improved by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 61 |
| Q4 2024 | 61 |
| Q1 2025 | 58 |
| Q2 2025 | 57 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 59 |
| Q2 2026 | 59 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 9.60% |
| Q3 2024 | 9.67% |
| Q4 2024 | 9.92% |
| Q1 2025 | 9.59% |
| Q2 2025 | 9.57% |
| Q3 2025 | 9.62% |
| Q4 2025 | 9.75% |
| Q1 2026 | 9.47% |
| Q2 2026 | 9.72% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.70% |
| Q3 2024 | 0.82% |
| Q4 2024 | 0.87% |
| Q1 2025 | 0.83% |
| Q2 2025 | 0.97% |
| Q3 2025 | 0.88% |
| Q4 2025 | 1.05% |
| Q1 2026 | 0.81% |
| Q2 2026 | 1.09% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.63% |
| Q3 2024 | 0.71% |
| Q4 2024 | 0.64% |
| Q1 2025 | 0.35% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.65% |
| Q1 2026 | 0.50% |
| Q2 2026 | 0.82% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 59 | $1.1B | 9.72% | 1.09% | 0.82% | 91.3% |
| Q1 2026 | 59 | $1.1B | 9.47% | 0.81% | 0.50% | 89.4% |
| Q4 2025 | 58 | $1.1B | 9.75% | 1.05% | 0.65% | 93.3% |
| Q3 2025 | 60 | $1.1B | 9.62% | 0.88% | 0.71% | 91.5% |
| Q2 2025 | 57 | $1.1B | 9.57% | 0.97% | 0.45% | 88.9% |
| Q1 2025 | 58 | $1.0B | 9.59% | 0.83% | 0.35% | 86.8% |
| Q4 2024 | 61 | $995.7M | 9.92% | 0.87% | 0.64% | 90.3% |
| Q3 2024 | 61 | $1.0B | 9.67% | 0.82% | 0.71% | 89.0% |
| Q2 2024 | 62 | $996.3M | 9.60% | 0.70% | 0.63% | 89.2% |
454 peers · $1 billion – $10 billion
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Vermont
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Vermont Federal Credit UnionCredit union So Burlington, VT | 69 out of 100, Moderate | $1.1B | 10.8% | 0.47% | vs |
| Eastrise Federal Credit UnionCredit union Williston, VT | 73 out of 100, Strong | $3.2B | 12.3% | 0.60% | vs |
Deposit insurance
Is my money safe at North Country Federal Credit Union?
Yes. North Country Federal Credit Union is a federally insured credit union (NCUA charter #24312). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 6.3% of shares and deposits ($62.7M) are above the $250,000 NCUA insurance limit, below the peer median of 9%. Insured balances are protected regardless of the score.
The net worth ratio is 9.72%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.
10 locations
Branches
North Country Federal Credit Union lists 10 offices in 10 cities. Most locations:
- Alburgh, VT (1)
- Barre, VT (1)
- Burlington, VT (1)
- Colchester, VT (1)
- E Montpelier, VT (1)
- Lyndonville, VT (1)
- Newport, VT (1)
- Orleans, VT (1)
- Richford, VT (1)
- S Burlington, VT (1)
CFPB TCCP survey · December 31, 2025
Credit card terms
| Card | Purchase APR | Annual fee | Late fee | Foreign fee |
|---|---|---|---|---|
| VISA Consumer Credit Card | 6.45% – 16.95% | $0 | $20 | 1.0% |
Identity & history
Profile
- Legal name
- North Country Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24312
- RSSD ID
- 177797
- Primary regulator
- NCUA
- Established
- 1950
- Headquarters
- Po Box 64709, Burlington, VT 05406
- Employees
- 215
Quick answers
North Country Federal Credit Union: common questions
Is North Country Federal Credit Union NCUA insured?
Yes. North Country Federal Credit Union is a federally insured credit union (NCUA charter #24312). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is North Country Federal Credit Union's TellerScore?
59 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does North Country Federal Credit Union have?
10 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Burlington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sea Comm Federal Credit UnionCredit union Massena, NY | 89 out of 100, Very strong | $777.3M | 18.0% | 0.63% | vs |
| Plattsburgh City School District Federal Credit UnionCredit union Plattsburgh, NY | 86 out of 100, Very strong | $9.4M | 15.6% | 0.32% | vs |
| Dannemora Federal Credit UnionCredit union Plattsburgh, NY | 85 out of 100, Very strong | $320.3M | 14.6% | 0.51% | vs |
| The North Country Savings BankBank Canton, NY | 78 out of 100, Strong | $373.5M | 14.5% | 0.82% | vs |
| Ufirst Federal Credit UnionCredit union Plattsburgh, NY | 75 out of 100, Strong | $128.6M | 15.4% | 0.92% | vs |
| Peoples Trust Company of St. AlbansBank Saint Albans, VT | 74 out of 100, Strong | $395.4M | 11.8% | 0.41% | vs |