State credit union · FILLMORE, Utah · NCUA charter #60494
Millard County
Health score 86/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 86
- Health / 100
- $61.8M
- Total assets
- 4,590
- Members
- 8.6%
- Net-worth ratio
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.
Millard County - 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)88
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth51
- Liquidity (loan-to-share)78
Weighted composite: 86/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 8.61% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 8.61% | 30% |
| Delinquency Rate | 0.21% | 25% |
| Return on Assets | 1.07% | 15% |
| Member Growth | -0.76% | 15% |
| Loan-to-Share Ratio | 55.01% | 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 | $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
What This Data Says About Millard County
Charter #60494, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Millard County, a state credit union in FILLMORE, Utah with 4,590 members, $61.8M in total assets, and $30.1M in outstanding loans as of Q4 2025. The five-factor composite scores it 86/100 (Excellent), helped by a net worth ratio of 8.61% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Two more numbers round out the picture: a 0.21% 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 tighter than peers - and a 55.01% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.07% on net income of $662K 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 -0.76%. 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 Utah
Other federally-insured credit unions in Utah, 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 Millard County financially healthy?
Yes/no aside, the number is 86/100 (Excellent) - Millard County's financial health score from the NCUA 5300 Call Report, Q4 2025. Above 80 reads excellent, below 50 warrants closer monitoring; a 8.61% 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 86/100 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 8.61% 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.
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.