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 98th largest credit union in the state of Ohio. It is also the 2,251st largest credit union in the nation. It was established in 1966 and as of September of 2024, it had grown to 20 employees and 7,795 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
Employees20
Primary Regulator
Profit Margin
Return on Assets - YTD1.51%
Return on Equity - YTD12.73%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$62.1MM$58.5MM
LoansQ3 2024vs Q3 2023$31MM$31.6MM
DepositsQ3 2024vs Q3 2023$54.3MM$52.1MM
Equity CapitalQ3 2024vs Q3 2023$7.4MM$6MM
Loan Loss AllowanceQ3 2024vs Q3 2023$274K$320K
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$257K$204K
Real Estate OwnedQ3 2024vs Q3 2023$0$0
Rates

Rates for Millstream Area Credit Union are currently being reviewed.

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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