Overview / Commentary
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
Health
B+
Data as of Q1 2025
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 | 23 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.18% |
| Return on Equity - YTD | 9.77% |
| Annual Interest Income | $881K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $66.7MM$61.3MM |
| Loans | Q1 2025vs Q1 2024 | $31.3MM$31.2MM |
| Deposits | Q1 2025vs Q1 2024 | $58.4MM$54.2MM |
| Equity Capital | Q1 2025vs Q1 2024 | $7.8MM$6.6MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $268K$306K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $414K$132K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |