State credit union · EVERETT, Washington · NCUA charter #68222
Mill Town
Health score 79/100 (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 - 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.
Mill Town - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)43
- Earnings (ROA)100
- Member growth91
- Liquidity (loan-to-share)66
Weighted composite: 79/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 22.52%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 22.52% | 30% |
| Delinquency Rate | 2.28% | 25% |
| Return on Assets | 0.68% | 15% |
| Member Growth | 3.82% | 15% |
| Loan-to-Share Ratio | 101.67% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Mill Town
Charter #68222, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Mill Town, a state credit union in EVERETT, Washington with 3,563 members, $62.1M in total assets, and $48.8M in outstanding loans as of Q4 2025. The five-factor composite scores it 79/100 (Very Good), helped by a net worth ratio of 22.52% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 2.28% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers - and a 101.67% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.68% on net income of $424K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 3.82%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Other); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Washington
Other federally-insured credit unions in Washington, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 22.52% 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 22.52% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.