Saint Johnsbury, Vermont · Peer group 3
Northern Lights Credit Union
Northern Lights Credit Union holds $43.7M in assets across 4,166 members as of Q1 2026 — about $10K of assets per member, on a charter dating to 1951. Charter number 24878, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $43.7M |
|---|---|
| Total loans | $28.0M |
| Total shares (deposits) | $37.0M |
| Net worth | $6.3M |
| Members | 4,166 |
| Assets per member | $10K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | — |
|---|---|
| Loans | — |
| Deposits | — |
| Members | — |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 75.5% | around the 78th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.4% | around the 56th percentile of its peer group |
| Return on assets | 0.32% | around the 32nd percentile of its peer group |
| Delinquency ratio | 0.37% | around the 40th percentile of its peer group |
| Cash / assets | 9.1% | around the 38th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Northern Lights Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Vermont — the comparison set a peer ratio is measured against.
- Members 1st Credit Union
Brattleboro, VT
$23.2M · 2,111 members
- Central Vermont Medical Center,inc. Credit Union
BARRE, VT
$12.6M · 1,732 members
- Orlex Government Employees Credit Union
Newport, VT
$7.0M · 1,281 members
- Northeast Schools and Hospital Credit Union
Newport, VT
$5.6M · 1,000 members
- St. Patrick's Parish Credit Union
Fairfield, VT
$533K · 290 members
- Green Mountain Credit Union
South Burlingto, VT
$151.5M · 10,123 members
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