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 99th largest credit union in the state of Ohio. It is also the 2,301st largest credit union in the nation. It was established in 1966 and as of December of 2023, it had grown to 23 employees and 7,824 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 - YTD1.11%
Return on Equity - YTD10.27%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$59.3MM$59.8MM
LoansQ4 2023vs Q4 2022$31.5MM$28.8MM
DepositsQ4 2023vs Q4 2022$52.5MM$53.8MM
Equity CapitalQ4 2023vs Q4 2022$6.3MM$5.5MM
Loan Loss AllowanceQ4 2023vs Q4 2022$312K$183K
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$176K$186K
Real Estate OwnedQ4 2023vs Q4 2022$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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