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
- CAMELS 83/100
- HEALTH 12.4%
- NW 1.36%
- DELQ 1.34%
- ROA $70.6M
- ASSETS 7,786
- MEM #2,278/4,374
- RANK American Spirit
- PHOTO 96756
Call Report peers
Millstream Area in the assets neighbourhood
Millstream Area's $70.6M assets sit next to American Spirit ($70.7M) 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.
Millstream Area 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
83 46th percentile higher than 46% 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
Millstream Area - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #96756. See our deposit-insurance coverage note.
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).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for OH only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Millstream Area's 5300 filing moved
Millstream Area: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.5% from $70.6M (2025Q4) to $70.3M (2026Q1).
- Net-worth ratio shifted +0.44 pp (11.95% → 12.39%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 83.
- 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 |
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).
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
Two NCUA Call Report peer sets for Millstream Area, both outside Ohio so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($70.6M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (83/100 here).
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.
- Rates and health both vary by institution, not just by state -- see how Ohio credit unions compare overall before assuming this one is typical. Ohio 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 Millstream Area financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Millstream Area carries a financial health score of 83/100 (Excellent). On the national health ranking (same basis as /rankings/healthiest), it sits at #2,278 of 4,374; by total assets it ranks #2,129 of 4,374 nationally (same basis as /rankings/largest); and #92 of 196 within Ohio. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 12.39% net worth ratio and a 1.36% delinquency rate.
How does Millstream Area compare to other credit unions?
Five weighted metrics from NCUA filings produce Millstream Area's 83/100 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 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?
Federal credit unions like Millstream Area 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. Millstream Area's net worth ratio of 12.39% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Millstream Area offer compared to banks?
Credit unions like Millstream Area 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 Millstream Area 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.