Northern Lights
Saint Johnsbury, VT · Charter 24878 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$42.8MAssets
$29.2MLoans
$36.2MShares
$6.1MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 93% of credit unions under $1B in assets (rank 117 of 1683).
- Widest gap: efficiency ratio trails 74% of credit unions under $1B in assets (rank 1251 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
0.92%
Rank 656 of 1,683
Net Interest Margin
5.17%
Rank 117 of 1,683
Efficiency Ratio
86.66%
Rank 1,251 of 1,682
Equity / Assets
14.34%
Rank 618 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.92% | 0.35% | 0.74% | 1.18% | Beats 61% | 656 / 1,683 | | |
| Return on Equity | 6.41% | 2.67% | 5.89% | 8.74% | Beats 55% | 755 / 1,681 | | |
| Net Interest Margin | 5.17% | 3.31% | 3.82% | 4.32% | Beats 93% | 117 / 1,683 | | |
| Efficiency Ratio | 86.66% | 68.91% | 78.20% | 86.93% | Beats 26% | 1,251 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.26% | 0.65% | 1.29% | Beats 73% | 456 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.34% | 10.44% | 12.89% | 16.53% | Beats 63% | 618 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.34% | 10.44% | 12.89% | 16.53% | Beats 63% | 618 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 80.66% | 52.61% | 69.38% | 83.50% | 71st pctl | 496 / 1,683 | | |
| Loans / Assets | 68.21% | 44.71% | 59.18% | 70.72% | 69th pctl | 515 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |