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
- HEALTH 79/100
- NW 22.5%
- DELQ 2.28%
- ROA 0.68%
- ASSETS $62.1M
- MEM 3,563
- RANK #2,808/4,374
- PHOTO Central Keystone
- BOOK 68222
Call Report peers
Mill Town in the assets neighbourhood
Mill Town's $62.1M assets sit next to Central Keystone ($62.1M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Mill Town vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Mill Town - Share Insurance Coverage
Charter #68222's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for WA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Mill Town: 2025Q4 → 2026Q1
Mill Town: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -4.1% from $62.1M (2025Q4) to $59.5M (2026Q1).
- Net-worth ratio shifted +0.02 pp (22.52% → 22.54%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 79.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
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
Mill Town's nationwide photo peers by assets and by health score, excluding Washington charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($62.1M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (79/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Washington credit unions compare overall before assuming this one is typical. Washington state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Mill Town financially healthy?
Mill Town scores 79/100 (Very Good) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,808 of 4,374; by total assets it ranks #2,229 of 4,374 nationally (same basis as /rankings/largest); and #56 of 75 within Washington. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.54% net worth ratio and a 2.28% delinquency rate.
How does Mill Town compare to other credit unions?
On PlainCU's health composite, Mill Town lands at 79/100, compared to a peer group average for $50M–$100M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Mill Town are 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."
What rates does Mill Town offer compared to banks?
Credit unions like Mill Town are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Mill Town directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.