Northern
Northern is a credit union based in Watertown, New York, established in 1955, with $682 million in total assets serving 45,187 members. By Trust Grade it ranks 208th of 267 credit unions we track in New York. Its net worth ratio of 10.5% trails most similarly sized credit unions (39th percentile), versus a New York median of 12%. It was profitable over the most recent period, with a 0.03% return on assets. No consumer complaints against Northern appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Northern compares to New York peers
How we graded Northern
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (10.5% capital ratio)
- Profitable (ROA 0.03%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Northern over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Northern insured?
Yes. Northern is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Northern: frequently asked questions
Is Northern a good credit union?
Northern earns a Bankzia Trust Grade of B (85/100, "Strong"), based on a financial-strength score of 85/100 (it has no CFPB complaints on record). Well-capitalized (10.5% capital ratio); Profitable (ROA 0.03%).
Is Northern NCUA-insured?
Yes. Northern is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Northern?
Northern holds $682 million in total assets, ranking 208th of 267 credit unions we track in New York. It serves 45,187 members.
Does Northern have CFPB complaints?
No CFPB complaints against Northern appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
