Watertown, NY · State Credit Union · Chartered in NY
Who can join
State government employees (special charter)
Members
45,187
Net Worth Ratio
10.53%
min. 7% = Well Capitalized
Contact & Details
NCUAWebsite
Phone
Address
Branch Locations
Credit unions are exempt from CRA. The Community Reinvestment Act applies only to FDIC-insured banks and thrifts. Credit unions are regulated by NCUA and evaluated under a separate safety and soundness framework.
Total Assets
$682.1M
Total Shares
$599.4M
Total Loans
$546.4M
Net Worth Ratio
10.53%
≥7% = Well Capitalized
Members
45,187
Delinquency Rate (60d+)
0.57%
$3.1M
Loan-to-share ratio: 91.2%· healthy range 60–80%
| Year | Applications | Originated | Denials | Orig. Rate | Denial Rate |
|---|---|---|---|---|---|
| 2023 | 903 | 577 | 225 | 63.9% | 24.9% |
| 2022 | 1,149 | 780 | 205 | 67.9% | 17.8% |
| 2021 | 1,313 | 1,036 | 103 | 78.9% | 7.8% |
No CFPB complaint data available for this credit union.
Corporate Office
138 Factory St, Watertown, NY, 13601-1958
Monday-Friday 8-5
Gouverneur Branch
145 E Main St, Gouverneur, NY, 13642-1408
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed
Factory Branch
120 Factory St, Watertown, NY, 13601-1958
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed
Commerce Park Branch
1180 Commerce Park Dr E, Watertown, NY, 13601-2277
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Drivethru/Lobby: Saturday 9:00-12:00 Sunday-Closed 24/7 Enhanced ATM DT
Lowville Branch
5801 Number Four Rd, Lowville, NY, 13367-3331
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed
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<a href="https://bankscorer.com/credit-union/northern" target="_blank" rel="noopener">View NORTHERN on Bank Scorer</a>Data sourced from NCUA 5300 Call Report and branch data. Updated quarterly.
Adams Branch
2 Elmwood Ave, Adams, NY, 13605
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT
West Carthage Branch
88 Bridge St, Carthage, NY, 13619
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT Saturday/Sunday Closed
LeRay Branch
26424 Johnson Road, Evans Mills, NY, 13637
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT
Croghan Branch
9804 State Route 812, Croghan, NY, 13327
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT
Massena Relationship Center
88 Parker Ave, Massena, NY, 13662
Lobby Hours: Monday-Thur 9:00-4:00 Friday 9:00-5:00 Sunday Closed 24/7 Enhanced ATM DT
1 more location not shown.