Northern

WATERTOWN, NY · 2 · Charter #68696 · www.mynorthern.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$678.4M
76th percentile
Members
45,070
81th percentile
Total loans
$544.3M
84th percentile
Total shares
$591.6M
79th percentile

Profitability

Return on assets
0.48%
18th percentile
Net interest margin
3.62%
63th percentile
Efficiency ratio
72.32%
7th percentile
Non-interest income ratio
27.91%
89th percentile

Capital & Risk

Net worth ratio
10.42%
43th percentile
Delinquency rate
0.76%
45th percentile
Net charge-off rate
0.37%
56th percentile
Loan-to-share
92.01%
79th percentile

Growth

Member growth YoY
1.35%
61th percentile
Asset growth YoY
6.97%
66th percentile
Loan growth YoY
3.31%
46th percentile
Share growth YoY
8.71%
83th percentile

Operations

Members / branch
4,507
48th percentile
Assets / member
$15,052
39th percentile
Field of membership penetration
4.39%
51th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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