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Not Federally Insured
1007 Western Ave
Findlay, OH 45840

Millstream Area Credit Union is headquartered in Findlay and is the 127th largest credit union in the state of Ohio. It is also the 2,833rd largest credit union in the nation. It was established in 1966 and as of December of 2013, it had grown to 17 employees and 7,306 members. Millstream Area Credit Union has a C+ health rating.

Field of Membership Restrictions

Anyone who lives, works, worships, or attends school in Hancock, Allen, Hardin, Putnam, Seneca, or Wood Counties; as well as relatives of current Credit Union members - See Details

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Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Millstream Area Credit Union has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Millstream Area Credit Union had $431,000 in non-current loans and owned real-estate with $3.88 million in equity and loan loss allowances on hand to cover it. This gives Millstream Area Credit Union a Texas Ratio of 11.11% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Millstream Area Credit Union experienced no significant changes from 7.52% as of December 31, 2012 to 11.11% as of December 31, 2013, resulting in a negative change of 47.82%. This indicates that the balance sheet and financial strength for Millstream Area Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Millstream Area Credit Union has decreased its total deposits by -$1.02 million, resulting in -3.45% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Millstream Area Credit Union has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Millstream Area Credit Union has $32.43 million in assets with $3.88 million in equity, resulting in a capitalization level of 11.96%, which is excellent.

Institution Statistics

NCUA #96756
Year Chartered1966
Primary Regulator
Assets and Liabilities
Assets$32.43 million
Loans$24.62 million
Deposits$28.47 million
Equity Capital$3.39 million
Loan Loss Allowance$487,000
Unbacked Noncurrent Loans$367,000
Real Estate Owned$64,000
Historic Data - December 2012
Assets$32.52 million
Equity Capital$3.04 million
Loan Loss Allowance$591,000
Unbacked Noncurrent Loans$367,000
Real Estate Owned$175,000
Profit Margin - Quarterly
Net Interest Margin5.14%
Return on Assets1.08%
Return on Equity10.32%
Interest Income$1.40 million

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Millstream Area Credit Union Savings Account Rates

0.10%$25k-IRA Share
0.10%$25k-Roth IRA Shares
0.10%$25k-Education IRA Share
0.04%$10k-Christmas Club Account
0.04%$10k-Vacation Club Account
0.04%$10k-Special Club Account
0.04%$10k-Minor Share Savings
0.04%$10k-Teen Share Savings
0.04%$10k-Custodial Share Savings
0.04%$10k-Hancock Saves Share Savings
0.04%$10k-Regular Share Savings
0.04%$10k-Senior Share Savings
0.04%$10k-Business Share Savings
0.04%$10k-Trusts Share Savings

Millstream Area Credit Union Money Market Rates

0.10%$100k-Money Market Account

Millstream Area Credit Union Checking Account Rates

0.05%$500-Cruisin 55 Checking

Millstream Area Credit Union CD Rates

0.55%$500-60 Month CD
0.55%$250-60 Month Minor’s CD
0.45%$500-48 Month CD
0.45%$250-48 Month Minor’s CD
0.35%$500-36 Month CD
0.35%$250-36 Month Minor’s CD
0.25%$500-24 Month CD
0.25%$250-24 Month Minor’s CD
0.15%$500-18 Month CD
0.15%$250-18 Month Minor’s CD
0.10%$500-12 Month CD
0.10%$250-12 Month Minor’s CD
0.05%$500-6 Month CD
0.05%$250-6 Month Minor’s CD
0.01%$500-90 Day CD
0.01%$250-90 Day Minor’s CD

Millstream Area Credit Union IRA Rates

0.55%$500-60 Month IRA (Traditional,Roth,CESA)
0.45%$500-48 Month IRA (Traditional,Roth,CESA)
0.35%$500-36 Month IRA (Traditional,Roth,CESA)
0.25%$500-24 Month IRA (Traditional,Roth,CESA)
0.15%$500-18 Month IRA (Traditional,Roth,CESA)
0.10%$500-12 Month IRA (Traditional,Roth,CESA)
0.05%$500-6 Month IRA (Traditional,Roth,CESA)
0.01%$500-90 Day IRA (Traditional,Roth,CESA)

Millstream Area Credit Union Locations
Branch Office214 N Main StNorth Baltimore, OH 45872
Branch Office1007 Western AveFindlay, OH 45840