Millstream Area Credit Union


Overview / Commentary
419-422-5626
1007 Western Ave
Findlay, OH 45840

Millstream Area Credit Union is headquartered in Findlay and is the 95th largest credit union in the state of Ohio. It is also the 2,187th largest credit union in the nation. It was established in 1966 and as of March of 2025, it had grown to 23 employees and 7,821 members at 3 locations. Millstream Area Credit Union has a B+ health rating.

Field of Membership Restrictions

Millstream Area Credit Union is open to those who live, work, worship, or attend school in the Ohio counties of Allen, Hancock, Hardin, Putnam, Seneca, or Wood. Relatives of a current Millstream Area Credit Union membership are also eligible to join.
See current membership details

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Health
B+
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Millstream Area Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #96756
Year Chartered1966
Employees23
Primary Regulator
Profit Margin
Return on Assets - YTD1.18%
Return on Equity - YTD9.77%
Annual Interest Income$881K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$66.7MM$61.3MM
LoansQ1 2025vs Q1 2024$31.3MM$31.2MM
DepositsQ1 2025vs Q1 2024$58.4MM$54.2MM
Equity CapitalQ1 2025vs Q1 2024$7.8MM$6.6MM
Loan Loss AllowanceQ1 2025vs Q1 2024$268K$306K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$414K$132K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates

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Locations


Millstream Area Credit Union Locations
Branch Office214 N Main StNorth Baltimore, OH 45872
Branch Office1007 Western AveFindlay, OH 45840
Branch Office1650 Fostoria AveFindlay, OH 45840

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