State credit union · FILLMORE, Utah · NCUA charter #60494
Millard County
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $61.8M
- Total assets
- 4,590
- Members
- 11.7%
- Net-worth ratio
Millard County scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $61.8M; members 4,590; net-worth ratio 11.66%; health rank #1,279 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,279 of 4,374 health · 2025Q4Millard County · health 89/100 · $61.8M · 2025Q4
- NCUSIF 89/100
- CAMELS 11.7%
- HEALTH 0.21%
- NW 1.07%
- DELQ $61.8M
- ROA 4,590
- ASSETS #1,279/4,374
- MEM Financial Security
- RANK 60494
Call Report peers
Millard County in the assets neighbourhood
Millard County's $61.8M assets sit next to Financial Security ($61.9M) 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.
Millard County 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
89 Top 31% higher than 69% 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
Millard County - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #60494. See our deposit-insurance coverage note.
Peer-gap read for Millard County
- Strongest edge vs 584 $50M–$100M peers is Delinquency Rate: -0.76 pp (0.21% vs 0.96%).
- Largest lag: Loan-to-Share Ratio at 55.01% vs peer 62.60% (-7.59 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Millard County in Utah
- Health composite ranks #21 of 53 among scored Utah credit unions.
- Utah assets place: #29 of 53.
- Membership ranks #25 of 53 among Utah CUs with a reported count (4,590 members).
In-state ordinals use the live credit_unions table for UT only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Millard County Call Report trajectory
Millard County: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.0% from $61.8M (2025Q4) to $64.3M (2026Q1).
- Net-worth ratio shifted -0.21 pp (11.87% → 11.66%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 11.66% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 89/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 89.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 7.6 pts
- Loan-to-Share Ratio 11.4 pts
Millard County vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.66% | -1.96 pp |
| Delinquency Rate | 0.21% | -0.76 pp |
| Return on Assets | 1.07% | +0.41 pp |
| Member Growth | -0.76% | - |
| Loan-to-Share Ratio | 55.01% | -7.59 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).
Millard County filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $64.3M | - |
| 2025Q4 | $61.8M | 4,590 |
| 2024Q4 | $59.4M | 4,625 |
| 2023Q4 | $55.2M | 4,712 |
Credit Union Details
- Charter Number
- 60494
- Type
- State
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Utah
- City
- FILLMORE
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Millard County, spread across 2 cities.
| Office | City |
|---|---|
| FILLMORE, UTAH (Main Office) | FILLMORE, UT |
| DELTA, UTAH | DELTA, UT |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Utah
Other federally-insured credit unions in Utah, closest first by peer group and asset size.
Millard County nationwide neighbourhoods
Millard County's nationwide photo peers by assets and by health score, excluding Utah charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($61.8M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (89/100 here).
Using this data
- Millard County ranks #1,279 of 4,374 nationally on financial health and #21 of 53 in UT -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kings Peak is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kings Peak
- Rates and health both vary by institution, not just by state -- see how Utah credit unions compare overall before assuming this one is typical. Utah 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 Millard County financially healthy?
Yes/no aside, the number is 89/100 (Excellent) - Millard County's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,279 of 4,374; by total assets it ranks #2,234 of 4,374 nationally (same basis as /rankings/largest); and #29 of 53 within Utah. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.66% net worth ratio and 0.21% delinquency rate are the key drivers.
How does Millard County compare to other credit unions?
Five weighted metrics from NCUA filings produce Millard County's 89/100 score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), 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 Millard County?
Membership eligibility for Millard County depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Millard County directly for current membership requirements and application steps.
Is my money safe at Millard County?
Federal credit unions like Millard County 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. Millard County's net worth ratio of 11.66% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Millard County offer compared to banks?
Credit unions like Millard County 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 Millard County 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.