State credit union · EVERETT, Washington · NCUA charter #68222
Mill Town
Health score 79/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 79
- Health / 100
- $62.1M
- Total assets
- 3,563
- Members
- 22.5%
- Net-worth ratio
Mill Town scores 79/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.1M; members 3,563; net-worth ratio 22.54%; health rank #2,808 of 4,374; healthier than 33rd of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,808 of 4,374 health · 2025Q4Mill Town · health 79/100 · $62.1M · 2025Q4
Call Report peers
Mill Town in the assets neighbourhood
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Mill Town vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Mill Town sits in 75-79 with 502 others.
79 33rd percentile higher than 33% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Mill Town
- Loan-to-Share Ratio leads the peer set - 101.67% here, 62.60% peer average (+39.07 pp).
- Delinquency Rate trails the peer set - 2.28% here, 0.96% peer average (+1.32 pp).
Mill Town: in-state Call Report ranks
- Washington health ordinal: #52 of 75.
- Assets rank #56 of 75 inside Washington ($62.1M reported).
- Membership ranks #59 of 75 among Washington CUs with a reported count (3,563 members).
- One place up in Washington, America's Credit Union, a (#51) scores 80/100, 1 point higher; one place down, SOLARITY (#53) ties at 79/100.
Mill Town: 2025Q4 → 2026Q1
Mill Town: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -4.1% from $62.1M (2025Q4) to $59.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (22.52% → 22.54%).
At 22.54%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 79/100 score is built
Mill Town gives up 21 points in total. Delinquency Rate costs the most, 14.3 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 10.7 pts
- Return on Assets 15.0 pts
- Member Growth 13.6 pts
- Loan-to-Share Ratio 9.7 pts
Mill Town vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.54% | +8.92 pp |
| Delinquency Rate | 2.28% | +1.32 pp |
| Return on Assets | 0.68% | +0.03 pp |
| Member Growth | 3.82% | - |
| Loan-to-Share Ratio | 101.67% | +39.07 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Mill Town quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $59.5M | - |
| 2025Q4 | $62.1M | 3,563 |
| 2024Q4 | $62.1M | 3,432 |
| 2023Q4 | $64.0M | 3,136 |
Credit Union Details
- Charter Number
- 68222
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Washington
- City
- EVERETT
- Data Quarter
- 2025Q4
Branch Location
Mill Town operates a single office in Everett, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Mill Town Credit Union (Main Office) | Everett, WA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Other-state peers near Mill Town
Similar total assets
Similar health score
Using this data
- Mill Town ranks #2,808 of 4,374 nationally on financial health and #52 of 75 in WA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Spokane City is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Spokane City
Frequently Asked Questions
Is Mill Town financially healthy?
Mill Town has a financial health score of 79/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,808 of 4,374 nationally on health and #52 of 75 in Washington. Its net worth ratio is 22.54% and its delinquency rate 2.28%.
How does Mill Town compare to other credit unions?
Mill Town scores 79/100, higher than 33% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (101.67% vs 62.60%). Its widest shortfall is delinquency rate (2.28% vs 0.96%).
How can I join Mill Town?
Membership eligibility for Mill Town depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Mill Town directly for current membership requirements and application steps.
Is my money safe at Mill Town?
Mill Town is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Mill Town's net worth ratio of 22.54% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.