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NORTH COUNTRY FEDERAL CREDIT UNION

Mar, 31, 2021 — NORTH COUNTRY FEDERAL CREDIT UNION is a federal credit union headquartered in BURLINGTON, VT with 12 branch locations and about $838.37 million in total assets. Opened 71 years ago in 1950, NORTH COUNTRY FEDERAL CREDIT UNION has about 60,505 members and employs 169 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.


ABA Routing Number: 211691004
Name:NORTH COUNTRY FEDERAL CREDIT UNION
Address:
(Main Office)
PO BOX 64709
BURLINGTON, VT 05406-4709
Phone:(802) 657-6847
Fax:(802) 264-6809
Website:http://www.northcountry.org
Branches:12 branch locations
Members:60,505
Credit Union Type:Federal Credit Union
Charter Number:24312
Membership Type:Community - Rural District
Corporate Credit Union:No
Year Opened:1950
Last Audited:Dec 01, 2020
FHLB Member:Yes
Low Income Designation:No
Assets:$838,373,315
CEO/Manager:Robert Morgan
Chairperson:Rachel Allard

Call Report

  • Commercial Loans
  • Credit Builder
  • Debt Cancellation/Suspension
  • Indirect Consumer Loans
  • Interest Only or Payment Option 1st Mortgage Loans
  • Overdraft Lines of Credit
  • Overdraft Protection
  • Participation Loans
  • Real Estate Loans
  • Risk Based Loans
  • Share Secured Credit Cards
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Check Cashing
  • Health Savings Accounts
  • Individual Development Accounts
  • Insurance/Investment Sales
  • International Remittances

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 161,039,982
TOTAL INVESTMENTS 55,908,852
Loans Held for Sale 2,159,889
 
 Real Estate Loans 362,342,181
 Unsecured Loans 60,684,967
 Other Loans 173,649,958
 TOTAL LOANS 596,851,304
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -5,237,276
 Land And Building 11,334,828
 Other Fixed Assets 3,354,211
 NCUSIF Deposit 6,335,708
 All Other Assets 6,625,817
  TOTAL ASSETS 838,373,315
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 10,144,907
 Accounts Payable & Other Liabilities 3,699,384
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 152,989,468
 Regular shares 232,285,389
 All Other Shares & Deposits 368,732,956
  TOTAL SHARES & DEPOSITS 754,007,813
  TOTAL LIABILITIES 767,852,104
 Regular Reserve 1,710,669
 Other Reserves 3,779,609
 Undivided Earnings 65,030,933
  TOTAL EQUITY 70,521,211
  TOTAL LIABILITIES, SHARES, & EQUITY 838,373,315
INCOME & EXPENSE  
 Loan Income 6,860,786
 Investment Income 271,856
 Other Income 1,705,747
 Total Employee Compensation & Benefits 3,057,533
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 3,218,406
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 494,427
 Cost of Funds 1,208,860
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,650,391
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