Credit union · Privately insured
Millstream Area Credit Union
A $70.3M credit union headquartered in Findlay, OH, with 7,832 members and 3 branches in Ohio.
Millstream Area Credit Union Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#10 of 12 in Findlay, OH metroHow the score works →
Deposits are privately insured, not by the federal government.
About Millstream Area Credit Union
- Headquarters
- 1007 Western Ave, Findlay, OH 45840
- NCUA charter
- 96756
Branches
3 branches in Ohio
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Ohio
3 branches
Findlay area · 2
- Western Ave OfficeMain office1007 Western Ave, Findlay, OH 45840Directions
- Fostoria Ave Office1650 Fostoria Ave, Findlay, OH 45840Directions
Toledo area · 1
- North Baltimore Office214 N Main St, North Baltimore, OH 45872Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.66% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.41% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $56 | $59 | — |
- CapitalNet worth ratio12.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.66%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.41%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$56Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Millstream Area Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.