Annual Reports

Northern’s bottom line is your bottom line, and that’s something we don’t take lightly. We maintain a financially sound, stable and secure position to most effectively protect the investments and business of our members, while assuring financial resources for future growth and development.

Now the largest credit union in Northern Ontario, our continued growth allows us to offer more competitive rates, as well as the best products and services available. By building and maintaining strong levels of capital, we’re also able to invest in the North and share the rewards with our members, local businesses and the community. In the end, everybody wins.

We’re focused on continuously enhancing our operational efficiency, because every dollar we save is a dollar we can reinvest in you. Day in and day out, we will continue to look for ways to run better, smarter and faster. As the one true financial institution of the North, our members should expect no less.


Each year, Northern publishes an Annual Report to share stories of success, including the impact we’ve made on the people, businesses and communities of Northern Ontario. You can download any one of our Annual Reports below or pick up the latest printed copy at any Northern branch.



2020 Annual Report
2019 Audited Financial Statements


2018 Consolidated Financial Report


2017 Summarized Financial Statements
2017 Consolidated Financial Report


2016 Summarized Financial Statements
2016 Consolidated Financial Report


2015 Summarized Financial Statements
2015 Consolidated Financial Report


2015 Community Report
2014 Summarized Financial Statements
2014 Consolidated Financial Report


2014 Community Report
2013 Summarized Financial Statements
2013 Consolidated Financial Report


2013 Community Report
2012 Summarized Financial Statements
2012 Consolidated Financial Report


2012 Community Report
2011 Summarized Financial Statements
2011 Consolidated Financial Report