Civic Intelligence

Northern Credit Union

EIN 15-0580359 • 501(c)14 • Watertown, NY

View Organization Page

Profile

Regulated by the nys department of financial services, we provide banking services to an 8 county demographic.

120 Factory StreetWatertown, NY 13601-1900

www.mynorthern.com

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

3rd percentile

0.04x

Higher debt load relative to assets than 3% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Liabilities / Revenue

3rd percentile

0.60x

Higher debt load relative to revenue than 3% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Net Margin

21st percentile

3.7%

Higher net margin than 21% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Source year 2024

Top Officer Pay

Score unavailable

No value available

No filing with officer rows is available for this organization yet.

Asset Growth

70th percentile

5.3%

Faster asset growth than 70% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Revenue Growth

14th percentile

6.1%

Faster revenue growth than 14% of similar nonprofits.

501(c)14 • $250M-$1B nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets3rd percentile

Assets

Up

$634,828,241

Up $32,027,712 (+5.3%) from 2023

Liabilities

Up

$26,032,802

Up $5,671,161 (+28%) from 2023

Net Assets

Up

$608,795,439

Up $26,356,551 (+4.5%) from 2023

Operations
Liabilities / Revenue3rd percentileNet Margin21st percentile

Revenue

Up

$43,569,599

Up $2,501,343 (+6.1%) from 2023

Expenses

Up

$41,961,934

Up $2,737,989 (+7.0%) from 2023

Net Income

Down

$1,607,665

Down $236,646 (-13%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth70th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$800M$600M$400M$200M$0Assets 2019: $283,063,179Liabilities 2019: $2,410,266Net Assets 2019: $280,652,9132019Assets 2020: $364,371,821Liabilities 2020: $7,248,444Net Assets 2020: $357,123,3772020Assets 2021: $435,001,865Liabilities 2021: $13,836,422Net Assets 2021: $421,165,4432021Assets 2022: $598,798,438Liabilities 2022: $25,471,130Net Assets 2022: $573,327,3082022Assets 2023: $602,800,529Liabilities 2023: $20,361,641Net Assets 2023: $582,438,8882023Assets 2024: $634,828,241Liabilities 2024: $26,032,802Net Assets 2024: $608,795,4392024

Highlighted filing

2024

Assets$634,828,241
Liabilities$26,032,802
Net Assets$608,795,439
Open 2024 Filing

Operations Trend

Revenue Growth14th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60M$40M$20M$0Revenue 2019: $21,799,144Expenses 2019: $20,140,134Net Income 2019: $1,659,0102019Revenue 2020: $24,703,645Expenses 2020: $22,684,367Net Income 2020: $2,019,2782020Revenue 2021: $31,512,409Expenses 2021: $25,901,041Net Income 2021: $5,611,3682021Revenue 2022: $33,941,010Expenses 2022: $30,587,809Net Income 2022: $3,353,2012022Revenue 2023: $41,068,256Expenses 2023: $39,223,945Net Income 2023: $1,844,3112023Revenue 2024: $43,569,599Expenses 2024: $41,961,934Net Income 2024: $1,607,6652024

Highlighted filing

2024

Revenue$43,569,599
Expenses$41,961,934
Net Income$1,607,665
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$634,828,241
Liabilities
$26,032,802
Net assets
$608,795,439
Revenue
$43,569,599
Expenses
$41,961,934
Net income
$1,607,665
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$635$26.0$609$43.6$42.0$1.61
2023Summary only. Only limited summary data is available for this year.$603$20.4$582$41.1$39.2$1.84
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$599$25.5$573$33.9$30.6$3.35
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$435$13.8$421$31.5$25.9$5.61
2020Summary only. Only limited summary data is available for this year.$364$7.25$357$24.7$22.7$2.02
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$283$2.41$281$21.8$20.1$1.66
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$43,809,321
Mission and Program Overview

Mission

Regulated by the nys department of financial services, we provide banking services to an 8 county demographic.

We are driven to improve the financial lives of those we serve through empowerment and personalized solutions.

Balance Sheet Detail
LineBeginningEndChange
Assets
Accounts Receivable$511,108,952$521,752,957▲ $10,644,005
Cash and Non-Interest-Bearing Accounts$44,763,544$65,167,544▲ $20,404,000
Land, Buildings, and Equipment, Net$19,135,753$22,942,140▲ $3,806,387
Prepaid Expenses and Deferred Charges$10,451,785$10,770,464▲ $318,679
Receivables From Officers Etc$3,642,685$3,679,579▲ $36,894
Savings and Temporary Cash Investments$5,739,716$2,751,956▼ $2,987,760
Other Notes and Loans Receivable, Net$762,149$762,149→ $0
Total Assets$602,800,529$634,828,241▲ $32,027,712
Other Assets Total$7,195,945$7,001,452▼ $194,493
Liabilities
Accounts Payable and Accrued Expenses$17,178,036$14,176,778▼ $3,001,258
Mortgage Notes Payable Secured by Investment Property$2,700,000$11,496,331▲ $8,796,331
Other Liabilities$483,605$359,693▼ $123,912
Total Liabilities$20,361,641$26,032,802▲ $5,671,161
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$582,438,888$608,795,439▲ $26,356,551
Total Net Assets Fund Balance$582,438,888$608,795,439▲ $26,356,551
Total Liabilities and Net Assets / Fund Balance$602,800,529$634,828,241▲ $32,027,712

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$14,643,979$4,408,466$19,052,445
Equipment$2,709,504$7,806,462$10,515,966
Land$4,621,147-$4,621,147
Leasehold Improvements$417,829$764,074$1,181,903
Other Land Buildings$549,681-$549,681
Compensation and Service Providers
Top Officer PayScore unavailable

Employees

NameTitleFull / Part TimeBaseOtherTotal
Daniel St HilaireCEOFT$402,294$296,505$698,799
Nathan HunterCFOFT$228,031$44,796$272,827
Gary BakerVice Chair--$7,022$7,022

Board Members and Trustees

NameTitle
Gary RoweChair
James BurrowsDirector
Mitchell FranklinDirector
Nicole DonaldsonDirector
Perry McgrewDirector
Eileen SnyderDirector of Accounting
Tonya Obey-harrisAvp of Residential Lending and Underwriting
Jessica RidsdaleChief People & Strategy Officer
Lori WentzelHome Lending Professional
Lucas St HilaireIto Manager
Brian RobbinsSecretary/treasurer
Daniel EstalVP Lending
Jennifer WiltonVP of Hr, Training & Comp
Rochelle RungeVP of Marketing and Digita
Christine BoothVP of Member Relations
Bonnie BelfieldVP of Ops Owner Advocate a

Highest Paid Contractors

ContractorServicesLocationCompensation
Bond Schoeneck & King PllcLegal ServicesPO BOX 11607, Syracuse, NY 13218$3,141,268
SynergentContracted ServicesPO BOX 1236, Portland, ME 04104$2,324,799
Adt Commercial LLCEquipment, Software, And Services6700 THOMPSON RD, Syracuse, NY 13211$1,153,654
Meridian It INCIt Consulting/network Monitoring509 ERIE BLVD W, Syracuse, NY 13204$832,075
Alkami TechnologyDigital Banking ProviderGRANITE PKWY, Plano, TX 75024$626,887
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$40,843,273
Investment Income
$1,865,217
Other Revenue
$861,109
Change in Net Assets
$1,607,665
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$27,682,298
Salaries, Compensation, and Employee Benefits$14,279,116
Grants and Similar Amounts Paid$520
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$9,529,768
Interest---$8,380,906
Information Technology---$2,802,280
Other Employee Benefits---$1,893,184
Depreciation Depletion---$1,635,891
Advertising---$1,370,317
Occupancy---$1,162,315
Pension Plan Contributions---$1,064,930
Current Officers, Directors, Trustees, and Key Employees---$971,626
Payroll Taxes---$819,608
Office Expenses---$623,924
Other Expenses---$534,902
All Other Expenses---$346,214
Fees for Services Accounting---$256,097
Insurance---$140,187
Fees for Services Legal---$108,441
Travel---$63,528
Conferences and Meetings---$27,058
Grants to Domestic Individuals---$520
Total Functional Expenses$0$0$0$41,961,934
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Insider Transactions and Loans

Loans and Receivables

Line ItemBeginningEndChange
Receivables from Officers, Directors, Trustees, and Key Employees$3,642,685$3,679,579▲ $36,894
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Rou Liability$359,693
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Daniel st. Hilaire, ceo has a family relationship with dan estal, vp of lending. Daniel st. Hilaire, ceo has a family relationship with lucas st. Hilaire, ito manager. Daniel st. Hilaire, ceo has a family relationship with just duckie cleaning services, daughter's owner.”

Form 990, Part VI, Section A, Line 6

“Members are those who use the services of the credit union.”

Form 990, Part VI, Section A, Line 7A

“Any vacancy on the board, credit committee, if applicable, or supervisory committee will be filled within a reasonable time by vote of a majority of the directors then holding office.”

Form 990, Part VI, Section A, Line 7B

“Members elect the board of directors at the annual meeting. The board of directors elects board officers at its first meeting which has to take place no later than 7 days after the annual meeting of the members. A special meeting of the board may be called at any time and must be done so upon written request of a majority of the directors then holding office. Special meetings may be conducted using audio or video teleconference methods.”

Form 990, Part VI, Section B, Line 11B

“Prior to filing, the 990 will be reviewed by ceo and cfo.”

Form 990, Part VI, Section B, Line 15

“Ceo has an annual executive compensation review done annually by board contracted consultant. Officers and all other employees utilize a market research tool "balanced comp".”

Form 990, Part VI, Section C, Line 18

“Ncu will make its 990 available upon request and it will be published on guidestar.org”

Form 990, Part VI, Section C, Line 19

“Financial statements are posted in each of the branch lobby's monthly. Conflict of interest statement and governing documents are not available to the public at this time.”

Form 990, Page 7, Part VII. Comp. to Officers & Highly Compensated Employee

“Compensation detail for jessica ridsdale, daniel estal, christine booth, bonnie belfield, jennifer wilton, lucas st. Hilaire, eileen snyder, lori wentzel, tonya obey-harris, and rochelle runge are available upon request.”

Filing and Contact Details

Filer

Filer Name
Northern Credit Union
EIN
15-0580359
Phone
3157793133
Address
120 FACTORY STREET, WATERTOWN, NY 13601-1900

Signing Officer

Name
Nathan Hunter Cpacfe
Title
CFO
Phone
3157793133
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Daniel W St Hilaire
Formed
1955
Legal Domicile
Ny
Voting Board Members
7
Independent Board Members
7
Employees
202
Volunteers
12

Preparer

Firm
Firley Moran Freer & Eassa CPA Pc
Address
125 EAST JEFFERSON STREET SUITE 920, SYRACUSE, NY 13202
Preparer
James J Corcoran CPA
Phone
3154727045
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Increase in members share accounts 24,700,042.”

Part XII Line 2C

“The process has not changed from the prior year.”

Financial Statement Notes

PART X, LINE 2:

“The credit union complies with fasb asc topic 740-10, "accounting for uncertainty in income taxes", which clarifies the accounting for uncertainty in income taxes. There was no impact to the accompanying financial statements attributable to this fasb asc for the years ended december 31, 2024 and 2023.”

Raw XML AppendixShowing 400 of 687 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0WE ARE DRIVEN TO IMPROVE THE FINANCIAL LIVES OF THOSE WE SERVE THROUGH EMPOWERMENT AND PERSONALIZED SOLUTIONS.
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IRS990/ContractorCompensationGrp/ServicesDesc3IT CONSULTING/NETWORK MONITORING
IRS990/ContractorCompensationGrp/ServicesDesc4DIGITAL BANKING PROVIDER
IRS990/ContractTerminationInd0X
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IRS990/Desc0NORTHERN CREDIT UNION PROVIDES LOW-COST FINANCIAL PRODUCTS AND SERVICES INCLUDING ONLINE AND MOBILE BANKING, ACCESS TO OVER 30,000 FEE-FREE ATM'S AND 5,000+ SHARED BRANCH LOCATIONS. NORTHERN ALSO OFFERS LOW-INTEREST RATE LOANS AND COMPETITIVE DIVIDEND RATES ON CHECKING AND INVESTMENT ACCOUNTS AS WELL AS A WIDE VARIETY OF FINANCIAL PRODUCTS AND SERVICES DESIGNED TO HELP MEMBERS MAKE THE BEST FINANCIAL DECISIONS FOR THEIR FAMILIES.
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IRS990/Form990PartVIISectionAGrp/PersonNm8NATHAN HUNTER
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IRS990/Form990PartVIISectionAGrp/PersonNm11CHRISTINE BOOTH
IRS990/Form990PartVIISectionAGrp/PersonNm12BONNIE BELFIELD
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IRS990/Form990PartVIISectionAGrp/PersonNm17TONYA OBEY-HARRIS
IRS990/Form990PartVIISectionAGrp/PersonNm18EILEEN SNYDER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11VP OF MEMBER RELATIONS
IRS990/Form990PartVIISectionAGrp/TitleTxt12VP OF OPS OWNER ADVOCATE A
IRS990/Form990PartVIISectionAGrp/TitleTxt13VP OF MARKETING AND DIGITA
IRS990/Form990PartVIISectionAGrp/TitleTxt14VP OF HR, TRAINING & COMP
IRS990/Form990PartVIISectionAGrp/TitleTxt15ITO MANAGER
IRS990/Form990PartVIISectionAGrp/TitleTxt16HOME LENDING PROFESSIONAL
IRS990/Form990PartVIISectionAGrp/TitleTxt17AVP OF RESIDENTIAL LENDING AND UNDERWRITING
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR OF ACCOUNTING
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