Headquartered in Saint Johnsbury, Vermont, Northern Lights Federal Credit Union is a federal credit union with $42.8M in total assets and $36.2M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1951.
Northern Lights Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 12 credit unions headquartered in Vermont, it ranks 1st. Problem-loan coverage contributes the most (97/100, 1.4%); earnings contributes the least (57/100, 0.92%).
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 fell 5 points (89 → 84), mostly because the earnings component weakened by 16 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 78 |
| Q3 2024 | 79 |
| Q4 2024 | 83 |
| Q1 2025 | 89 |
| Q2 2025 | 89 |
| Q3 2025 | 83 |
| Q4 2025 | 85 |
| Q1 2026 | 79 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.30% |
| Q3 2024 | 13.38% |
| Q4 2024 | 13.05% |
| Q1 2025 | 13.89% |
| Q2 2025 | 14.91% |
| Q3 2025 | 13.67% |
| Q4 2025 | 14.40% |
| Q1 2026 | 14.41% |
| Q2 2026 | 14.34% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.27% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.10% |
| Q2 2025 | 0.10% |
| Q3 2025 | 0.06% |
| Q4 2025 | 0.49% |
| Q1 2026 | 0.37% |
| Q2 2026 | 0.29% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.83% |
| Q3 2024 | 0.84% |
| Q4 2024 | 1.03% |
| Q1 2025 | 1.58% |
| Q2 2025 | 1.33% |
| Q3 2025 | 0.72% |
| Q4 2025 | 1.30% |
| Q1 2026 | 0.32% |
| Q2 2026 | 0.92% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $42.8M | 14.34% | 0.29% | 0.92% | 80.7% |
| Q1 2026 | 79 | $43.7M | 14.41% | 0.37% | 0.32% | 75.5% |
| Q4 2025 | 85 | $41.3M | 14.40% | 0.49% | 1.30% | 79.4% |
| Q3 2025 | 83 | $42.7M | 13.67% | 0.06% | 0.72% | 77.8% |
| Q2 2025 | 89 | $30.4M | 14.91% | 0.10% | 1.33% | 86.9% |
| Q1 2025 | 89 | $30.4M | 13.89% | 0.10% | 1.58% | 85.9% |
| Q4 2024 | 83 | $31.4M | 13.05% | 0.00% | 1.03% | 85.7% |
| Q3 2024 | 79 | $29.7M | 13.38% | 0.27% | 0.84% | 91.3% |
| Q2 2024 | 78 | $29.4M | 13.30% | 0.32% | 0.83% | 92.7% |
2,479 peers · Under $100 million in assets
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 |
|---|---|---|---|---|---|
| Members 1st Credit UnionCredit union Brattleboro, VT | 51 out of 100, Below average | $22.9M | 9.4% | 2.07% | vs |
| Central Vermont Medical Center,inc. Credit UnionCredit union Barre, VT | 54 out of 100, Below average | $12.7M | 25.9% | 4.52% | vs |
| Orlex Government Employees Credit UnionCredit union Newport, VT | 45 out of 100, Below average | $6.9M | 10.0% | 1.63% | vs |
| Northeast Schools and Hospital Credit UnionCredit union Newport, VT | 64 out of 100, Moderate | $5.6M | 8.9% | 0.23% | vs |
Deposit insurance
Is my money safe at Northern Lights Federal Credit Union?
Yes. Northern Lights Federal Credit Union is a federally insured credit union (NCUA charter #24878). 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 0.6% of shares and deposits ($206K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.34%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Northern Lights Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:
- Littleton, NH (1)
- Saint Johnsbury, VT (1)
Identity & history
Profile
- Legal name
- Northern Lights Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24878
- RSSD ID
- 148797
- Primary regulator
- NCUA
- Established
- 1951
- Headquarters
- 1004 Memorial Dr, Saint Johnsbury, VT 05819
- Employees
- 12
Quick answers
Northern Lights Federal Credit Union: common questions
Is Northern Lights Federal Credit Union NCUA insured?
Yes. Northern Lights Federal Credit Union is a federally insured credit union (NCUA charter #24878). 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 Northern Lights Federal Credit Union's TellerScore?
84 out of 100 (Strong), 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 Northern Lights Federal Credit Union have?
2 offices as of the latest NCUA data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Saint Johnsbury
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Passumpsic Savings BankBank Saint Johnsbury, VT | 76 out of 100, Strong | $934.5M | 13.1% | 0.71% | vs |
| Bar Harbor Bank & TrustBank Bar Harbor, ME | 73 out of 100, Strong | $4.7B | 10.5% | 0.32% | vs |
| Bank of New HampshireBank Laconia, NH | 72 out of 100, Strong | $2.8B | 12.1% | 0.63% | vs |
| Community National BankBank Derby, VT | 68 out of 100, Moderate | $1.2B | 10.6% | 0.86% | vs |
| Wells River Savings BankBank Wells River, VT | 67 out of 100, Moderate | $266.9M | 10.8% | 0.63% | vs |
| Mascoma BankBank Lebanon, NH | 64 out of 100, Moderate | $3.0B | 9.1% | 0.15% | vs |