Federal credit union · Findlay, Ohio · NCUA charter #96756
Millstream Area
Health score 83/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 83
- Health / 100
- $70.6M
- Total assets
- 7,786
- Members
- 12.4%
- Net-worth ratio
Millstream Area scores 83/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $70.6M; members 7,786; net-worth ratio 12.39%; health rank #2,278 of 4,374; healthier than 46th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#2,278 of 4,374 health · 2025Q4Millstream Area · health 83/100 · $70.6M · 2025Q4
Call Report peers
Millstream Area in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Millstream Area vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Millstream Area sits in 80-84 with 767 others.
83 46th percentile higher than 46% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Millstream Area
- Strongest edge vs 584 $50M–$100M peers is Return on Assets: +0.68 pp (1.34% vs 0.66%).
- Largest lag: Loan-to-Share Ratio at 56.43% vs peer 62.60% (-6.17 pp).
Millstream Area in Ohio
- In Ohio, health place is #100 of 196 on the same NCUA-ratio sort used nationally.
- By total assets, Millstream Area is #92 of 196 in Ohio.
- Ohio membership ordinal: #75 of 196.
- One place up in Ohio, HARVEST (#99) ties at 83/100; one place down, First Ohio Community (#101) ties at 83/100.
How Millstream Area's 5300 filing moved
Millstream Area: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.5% from $70.6M (2025Q4) to $70.3M (2026Q1).
- Net-worth ratio shifted +0.44 pp (11.95% → 12.39%).
12.39% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 83/100 score is built
Millstream Area gives up 17 points in total. Delinquency Rate costs the most, 7.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 17.3 pts
- Return on Assets 15.0 pts
- Member Growth 9.3 pts
- Loan-to-Share Ratio 11.4 pts
Millstream Area health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.39% | -1.23 pp |
| Delinquency Rate | 1.36% | +0.40 pp |
| Return on Assets | 1.34% | +0.68 pp |
| Member Growth | 0.23% | - |
| Loan-to-Share Ratio | 56.43% | -6.17 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
Millstream Area filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.3M | - |
| 2025Q4 | $70.6M | 7,786 |
| 2024Q4 | $62.5M | 7,768 |
| 2023Q4 | $59.3M | 7,824 |
Credit Union Details
- Charter Number
- 96756
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $50M–$100M
- State
- Ohio
- City
- Findlay
- Data Quarter
- 2025Q4
Branch Locations (3)
Millstream Area operates 3 offices across 2 cities, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Western Ave Office (Main Office) | Findlay, OH |
| Fostoria Ave Office | Findlay, OH |
| North Baltimore Office | North Baltimore, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Millstream Area nationwide neighbourhoods
Using this data
- Millstream Area ranks #2,278 of 4,374 nationally on financial health and #100 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Kh Credit Union, Inc. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Kh Credit Union, Inc.
Frequently Asked Questions
Is Millstream Area financially healthy?
Millstream Area has a financial health score of 83/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,278 of 4,374 nationally on health and #100 of 196 in Ohio. Its net worth ratio is 12.39% and its delinquency rate 1.36%.
How does Millstream Area compare to other credit unions?
Millstream Area scores 83/100, higher than 46% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is return on assets (1.34% vs 0.66%). Its widest shortfall is loan-to-share ratio (56.43% vs 62.60%).
How can I join Millstream Area?
Membership eligibility for Millstream Area depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Millstream Area directly for current membership requirements and application steps.
Is my money safe at Millstream Area?
Millstream Area is a federal 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. Millstream Area's net worth ratio of 12.39% 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.