Sep, 30, 2025 — NORTHERN LIGHTS FEDERAL CREDIT UNION is a federal credit union headquartered in SAINT JOHNSBURY, VT with 4 branch locations and about $42.71 million in total assets. Opened 75 years ago in 1951, NORTHERN LIGHTS FEDERAL CREDIT UNION has about 4,953 members and employs 13 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | NORTHERN LIGHTS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 1004 Memorial Dr SAINT JOHNSBURY, VT 05819 |
| Phone: | (802) 748-2288 |
| Fax: | (802) 748-6570 |
| Website: | https://www.northernlightscu.com |
| Branches: | 4 branch locations |
| Members: | 4,953 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24878 |
|---|---|
| Membership Type: | Community credit unions, urban or rural, other than those designated 'low income' |
| Corporate Credit Union: | No |
| Year Opened: | 1951 |
| Last Audited: | Sep 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $42,711,463 |
| CEO/Manager: | Rita Revilla |
| Chairperson: | Greg Winn |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 2,535,742 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 6,760,705 |
| Unsecured Loans | 156,203 |
| Other Loans | 21,576,269 |
| TOTAL LOANS | 28,493,177 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -24,747 |
| Land And Building | 1,642,628 |
| Other Fixed Assets | 311,643 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 370,791 |
| All Other Assets | 0 |
| TOTAL ASSETS | 42,711,463 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 2,570 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 480,887 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 10,846,922 |
| Regular shares | 20,310,584 |
| All Other Shares & Deposits | 5,469,480 |
| TOTAL SHARES & DEPOSITS | 36,626,987 |
| TOTAL LIABILITIES | 37,110,444 |
| Regular Reserve | 0 |
| Other Reserves | 1,540,487 |
| Undivided Earnings | 4,060,532 |
| TOTAL EQUITY | 5,601,019 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 42,711,463 |
| INCOME & EXPENSE | |
| Loan Income | 1,162,073 |
| Investment Income | 205,639 |
| Other Income | 250,554 |
| Total Employee Compensation & Benefits | 526,127 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 760,839 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 11,499 |
| Cost of Funds | 121,142 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 231,007 |
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