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
- 45,070
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
45,070 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN |
|---|---|
| Total Assets | $678.4M |
| Members | 45,070 |
| Loans Outstanding | $544.3M |
| Shares & Deposits | $594.0M |
| Net Worth | $70.7M |
| Net Worth Ratio | 10.62% |
| Loan-to-Share Ratio | 91.6% |
| Delinquency Rate | 0.76% |
| Net Income | +$3,817,702 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
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
Browse all federally insured credit unions in New York, ranked by assets, members, and financial health score.
View New York RankingsFrequently Asked Questions
Yes. NORTHERN is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, NORTHERN has 45,070 members and a potential membership field of 1,026,115 people.
NORTHERN's net worth ratio is 10.62% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 10.6%, NORTHERN meets this threshold.
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 (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN. All financial data is for informational purposes only.