Northern Lights
Northern Lights is a credit union based in Saint Johnsbury, Vermont, established in 1951, with $44 million in total assets serving 4,166 members. By Trust Grade it ranks 4th of 13 credit unions we track in Vermont. Its net worth ratio of 14.4% is stronger than 51% of similarly sized credit unions, versus a Vermont median of 10.7%. It was profitable over the most recent period, with a 0.32% return on assets. No consumer complaints against Northern Lights appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Northern Lights compares to Vermont peers
How we graded Northern Lights
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.4% capital ratio)
- Profitable (ROA 0.32%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Northern Lights over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Northern Lights insured?
Yes. Northern Lights 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 Lights: frequently asked questions
Is Northern Lights a good credit union?
Northern Lights earns a Bankzia Trust Grade of A (93/100, "Excellent"), based on a financial-strength score of 93/100 (it has no CFPB complaints on record). Strongly capitalized (14.4% capital ratio); Profitable (ROA 0.32%).
Is Northern Lights NCUA-insured?
Yes. Northern Lights 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 Lights?
Northern Lights holds $44 million in total assets, ranking 4th of 13 credit unions we track in Vermont. It serves 4,166 members.
Does Northern Lights have CFPB complaints?
No CFPB complaints against Northern Lights 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.
