Overview / Commentary
Millstream Area Credit Union is headquartered in Findlay and is the 102nd largest credit union in the state of Ohio. It is also the 2,334th largest credit union in the nation. It was established in 1966 and as of December of 2022, it had grown to 20 employees and 7,840 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 Allen, Hancock, Seneca, Putnam, Hardin, or Wood Counties in Ohio.
See current membership details
Health
B+
Data as of Q4 2022
Learn why bank health mattersAdditional 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 Chartered | 1966 |
| Employees | 20 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.91% |
| Return on Equity - YTD | 10.13% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q4 2022vs Q4 2021 | $59.8MM$59.2MM |
| Loans | Q4 2022vs Q4 2021 | $28.8MM$27.1MM |
| Deposits | Q4 2022vs Q4 2021 | $53.8MM$53.3MM |
| Equity Capital | Q4 2022vs Q4 2021 | $5.5MM$5.5MM |
| Loan Loss Allowance | Q4 2022vs Q4 2021 | $183.00K$199.00K |
| Unbacked Noncurrent Loans | Q4 2022vs Q4 2021 | $186.00K$299.00K |
| Real Estate Owned | Q4 2022vs Q4 2021 | $0$0 |