NORTHERN LIGHTS
Federal • Saint Johnsbury, Vermont • Est. 1951
Quick Facts
- Charter Number
- #24878
- Type
- Federal
- Established
- 1951
- Headquarters
- Saint Johnsbury, Vermont 05819
- Address
- 1004 Memorial Dr
- Branches
- 4
- ATMs
- 3
- Members
- 2,868
- Membership Type
- Other/Unknown
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
2,868 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN LIGHTS |
|---|---|
| Total Assets | $41.3M |
| Members | 2,868 |
| Loans Outstanding | $28.3M |
| Shares & Deposits | $35.7M |
| Net Worth | $5.9M |
| Net Worth Ratio | 14.40% |
| Loan-to-Share Ratio | 79.4% |
| Delinquency Rate | 0.49% |
| Net Income | +$546,076 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
4 locations · 3 ATMs
Branch
218 Dells Rd
Littleton, NH 03561
Main Office
Main Office1004 Memorial Dr
Saint Johnsbury, VT 05819
Langdon, NH
181 River St
Alstead, NH 03602
Claremont
98 Charlestown Rd
Claremont, NH 03743
Who Can Join NORTHERN LIGHTS?
Membership Type: Other/Unknown
Membership eligibility for NORTHERN LIGHTS may vary. Contact the credit union directly to confirm qualification requirements.
Contact NORTHERN LIGHTS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Vermont RankingsFrequently Asked Questions
Yes. NORTHERN LIGHTS 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 LIGHTS has 2,868 members and a potential membership field of 713,027 people.
NORTHERN LIGHTS's net worth ratio is 14.40% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.4%, NORTHERN LIGHTS meets this threshold.
NORTHERN LIGHTS operates 4 branch locations and has access to 3 ATMs. The main office is located at 1004 Memorial Dr, Saint Johnsbury, VT 05819.
NORTHERN LIGHTS was established in 1951. It is a federal credit union chartered under charter number 24878. The institution has been serving members for 75 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 LIGHTS. All financial data is for informational purposes only.