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
- 4,166
- Membership Type
- Other/Unknown
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
4,166 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | NORTHERN LIGHTS |
|---|---|
| Total Assets | $43.7M |
| Members | 4,166 |
| Loans Outstanding | $28.0M |
| Shares & Deposits | $37.0M |
| Net Worth | $6.3M |
| Net Worth Ratio | 14.41% |
| Loan-to-Share Ratio | 75.5% |
| Delinquency Rate | 0.37% |
| Net Income | +$35,465 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Vermont
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Vermont RankingsFrequently Asked Questions
NORTHERN LIGHTS 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 LIGHTS has 4,166 members and a potential membership field of 713,027 people.
NORTHERN LIGHTS's reported net worth ratio is 14.41% 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 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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or NORTHERN LIGHTS. All financial data is for informational purposes only.