NORTHERN
State-Chartered • Watertown, New York • Est. 1955
Quick Facts
- Charter Number
- #68696
- Type
- State-Chartered
- Established
- 1955
- Headquarters
- Watertown, New York 13601-1958
- Address
- 138 Factory St
- Branches
- 11
- ATMs
- 10
- Members
- 45,187
- Membership Type
- Community
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
45,187 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN |
|---|---|
| Total Assets | $682.1M |
| Members | 45,187 |
| Loans Outstanding | $546.4M |
| Shares & Deposits | $599.4M |
| Net Worth | $70.7M |
| Net Worth Ratio | 10.53% |
| Loan-to-Share Ratio | 91.2% |
| Delinquency Rate | 0.67% |
| Net Income | +$0 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
Branch Locations
11 locations · 10 ATMs
Corporate Office
Main Office138 Factory St
Watertown, NY 13601-1958
Gouverneur Branch
145 E Main St
Gouverneur, NY 13642-1408
Factory Branch
120 Factory St
Watertown, NY 13601-1958
Commerce Park Branch
1180 Commerce Park Dr E
Watertown, NY 13601-2277
Lowville Branch
5801 Number Four Rd
Lowville, NY 13367-3331
Who Can Join NORTHERN?
Membership Type: Community
Membership eligibility for NORTHERN may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN directly or visit their website for the most accurate and up-to-date membership eligibility information.
Find More Credit Unions in New York
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View New York RankingsFrequently Asked Questions
NORTHERN is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, NORTHERN has 45,187 members and a potential membership field of 1,020,509 people.
NORTHERN's reported net worth ratio is 10.53% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
NORTHERN operates 11 branch locations and has access to 10 ATMs. The main office is located at 138 Factory St, Watertown, NY 13601-1958.
NORTHERN was established in 1955. It is a state-chartered credit union chartered under charter number 68696. The institution has been serving members for 71 years.
Data sourced from the NCUA Quarterly Call Report (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN. All financial data is for informational purposes only.