Millstream Area Credit Union

Overview / Commentary
1007 Western Ave
Findlay, OH 45840

Millstream Area Credit Union is headquartered in Findlay and is the 100th largest credit union in the state of Ohio. It is also the 2,280th largest credit union in the nation. It was established in 1966 and as of March of 2024, it had grown to 21 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


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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 - YTD1.09%
Return on Equity - YTD9.97%
Annual Interest Income$745K
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$61.3MM$61.2MM
LoansQ1 2024vs Q1 2023$31.2MM$29.9MM
DepositsQ1 2024vs Q1 2023$54.2MM$55.3MM
Equity CapitalQ1 2024vs Q1 2023$6.6MM$5.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$306K$305K
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$132K$161K
Real Estate OwnedQ1 2024vs Q1 2023$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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