Northern Credit Union is headquartered in Watertown and is the 31st largest credit union in the state of New York. It is also the 635th largest credit union in the nation. It was established in 1955 and as of March of 2025, it had grown to 157 employees and 44,695 members at 11 locations. Northern Credit Union has an A health rating.
Field of Membership Restrictions
Membership in Northern Credit Union is open to those who live, work, worship, attend school, or regularly conduct business in the New York counties of Clinton, Franklin, Jefferson, Lewis, Madison, Onondaga, Oswego, or St. Lawrence. Any family member of current member is also eligible to join.
See current membership details
NASTY, HORRIBLE EXPERIENCE
Someone illegally used my name & personal information to apply for membership. I spoke to a person named Amanda, who was HORRIBLE, OBNOXIOUS & refused to help me in any way. She claimed that the credit union doesn't check with the credit reporting agencies when someone opens an account, making it easy for an applicant to commit fraud. Additionally, they didn't pick up their phone when I called many times, & Amanda rudely hung up on me. I told her that someone is attempting to deceive the Credit Union using my name and she was not interested!!!
STAY AWAY AT ALL COSTS. THEY CAN'T BE TRUSTED.
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 68696 |
| Year Chartered | 1955 |
| Employees | 157 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | -0.01% |
| Return on Equity - YTD | -0.14% |
| Annual Interest Income | $8.1MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $658.1MM$620.5MM |
| Loans | Q1 2025vs Q1 2024 | $531.3MM$525.3MM |
| Deposits | Q1 2025vs Q1 2024 | $571.5MM$535.4MM |
| Equity Capital | Q1 2025vs Q1 2024 | $64.2MM$62.4MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $5.1MM$5.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $4.4MM$4.3MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $165K$281K |
