NORTHERN
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
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.
At a Glance
Total Assets
$682.1M
Peer Group 6
Members
45,187
as of latest quarter
Net Worth Ratio
10.53%
Well Capitalized
Institution Profile
NCUAWebsite
Phone
Address
Chartered
Branch Locations
Membership Eligibility
Financial Snapshot
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%
Branch Locations
NCUACorporate 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
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.
Mortgage Lending (HMDA)
Credit unions that originate mortgages report Home Mortgage Disclosure Act (HMDA) data to the CFPB. This data covers application volumes, approvals, denials, and borrower demographics.
Consumer Complaints
No CFPB complaint data available for this credit union.
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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.