Millstream Area Credit Union

Overview / Commentary
1007 Western Ave
Findlay, OH 45840

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


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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 - YTD0.91%
Return on Equity - YTD10.13%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2022vs Q4 2021$59.8MM$59.2MM
LoansQ4 2022vs Q4 2021$28.8MM$27.1MM
DepositsQ4 2022vs Q4 2021$53.8MM$53.3MM
Equity CapitalQ4 2022vs Q4 2021$5.5MM$5.5MM
Loan Loss AllowanceQ4 2022vs Q4 2021$183.00K$199.00K
Unbacked Noncurrent LoansQ4 2022vs Q4 2021$186.00K$299.00K
Real Estate OwnedQ4 2022vs Q4 2021$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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