NORTHERN LIGHTS
Charter #24878 · Saint Johnsbury, VT · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 4,166 ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 0.33% sits at the 25th percentile of structural peers — worth a closer look.
- Net interest margin of 5.04% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.27% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.07% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | NORTHERN LIGHTS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $43.74M | 90th pct | 74th pct |
| Members | 4,166 | 92th pct | 79th pct |
| Net worth ratio | 14.41% | 56th pct | 49th pct |
| Return on average assets | 0.33% | 32th pct | 25th pct |
| Net interest margin | 5.04% | 92th pct | 95th pct |
| Cost of funds | 0.27% | 19th pct | 8th pct |
| Loan-to-share | 75.54% | 78th pct | 49th pct |
| Delinquency 60+ days | 0.37% | 40th pct | 43th pct |
| Net charge-off ratio | -0.07% | 12th pct | 8th pct |
| Loan growth YoY | -1.87% | 54th pct | 34th pct |
| Share growth YoY | 1.06% | 36th pct | 34th pct |
| Efficiency ratio | 95.41% | 83th pct | 84th pct |
structural peer set hash: 94390374cd2c90edf86235490be5c3a3… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.