Millstream Area Credit Union

Overview / Commentary
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 2,304th largest credit union in the nation. It was established in 1966 and as of June of 2023, it had grown to 20 employees and 7,725 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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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

NCUA #96756
Year Chartered1966
Primary Regulator
Profit Margin
Return on Assets - YTD1.11%
Return on Equity - YTD11.71%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$60.0MM$62.8MM
LoansQ2 2023vs Q2 2022$30.3MM$28.5MM
DepositsQ2 2023vs Q2 2022$53.8MM$57.1MM
Equity CapitalQ2 2023vs Q2 2022$5.8MM$5.3MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$193.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$265.00K$247.00K
Real Estate OwnedQ2 2023vs Q2 2022$0$0

Rates for Millstream Area Credit Union are currently being reviewed.


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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