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NORTHERN LIGHTS FEDERAL CREDIT UNION

Jun, 30, 2021 — NORTHERN LIGHTS FEDERAL CREDIT UNION is a federal credit union headquartered in Saint Johnsbury, VT with 3 branch locations and about $29.48 million in total assets. Opened 70 years ago in 1951, NORTHERN LIGHTS FEDERAL CREDIT UNION has about 4,523 members and employs 11 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:http://www.northernlightscu.com
Branches:3 branch locations
Members:4,523
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$29,484,251
CEO/Manager:Rita St. Arnauld
Chairperson:Greg Winn

Call Report

  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 5,699,146
TOTAL INVESTMENTS 822,064
Loans Held for Sale 0
 
 Real Estate Loans 3,698,882
 Unsecured Loans 114,417
 Other Loans 17,093,615
 TOTAL LOANS 20,906,914
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -44,886
 Land And Building 1,455,948
 Other Fixed Assets 213,487
 NCUSIF Deposit 238,468
 All Other Assets 193,110
  TOTAL ASSETS 29,484,251
LIABILITIES & CAPITAL:  
 Dividends Payable 53
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 66,477
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 6,775,542
 Regular shares 14,408,402
 All Other Shares & Deposits 4,933,581
  TOTAL SHARES & DEPOSITS 26,117,525
  TOTAL LIABILITIES 26,184,055
 Regular Reserve 380,930
 Other Reserves 750,217
 Undivided Earnings 2,169,049
  TOTAL EQUITY 3,300,196
  TOTAL LIABILITIES, SHARES, & EQUITY 29,484,251
INCOME & EXPENSE  
 Loan Income 537,382
 Investment Income 6,306
 Other Income 122,187
 Total Employee Compensation & Benefits 273,163
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 391,644
 Non-operating Income & (Expense) 61,964
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense 7,586
 Cost of Funds 5,317
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 50,129
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