TellerScore

Millard County Credit Union is a federally insured state-chartered credit union headquartered in Fillmore, Utah, in business for about 70 years. At the end of Q2 2026 it reported $65.0M in total assets and $57.5M in member shares and deposits.

Millard County Credit Union has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,479 credit unions with under $100 million in assets. Among 51 credit unions headquartered in Utah, it ranks 20th. Funding & liquidity contributes the most (100/100, 52% loans-to-deposits, 1% uninsured); earnings contributes the least (61/100, 1.03%).

TellerScore · Q2 2026

Scorecard

Capital cushion68/100
Net worth ratio: 11.81%
Loan quality79/100
Loans 60+ days delinquent ÷ total loans: 0.64%
Earnings61/100
Return on assets (annualized): 1.03%
Funding & liquidity100/100
Loans ÷ shares: 52.4% · 1.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.50%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 2 points (79 → 77), mostly because the loan quality component weakened by 8 points.

TellerScore
647483Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202482
Q3 202482
Q4 202482
Q1 202578
Q2 202579
Q3 202583
Q4 202581
Q1 202664
Q2 202677
Net worth ratio
7.00%9.50%11.99%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.55%
Q3 202411.53%
Q4 202411.41%
Q1 202511.29%
Q2 202511.68%
Q3 202511.99%
Q4 202511.87%
Q1 202611.66%
Q2 202611.81%
Delinquent loans (60+ days)
0.00%0.98%1.96%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.00%
Q3 20240.02%
Q4 20240.00%
Q1 20250.38%
Q2 20250.39%
Q3 20250.01%
Q4 20250.21%
Q1 20261.96%
Q2 20260.64%
Return on assets
0.98%1.05%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.11%
Q3 20241.07%
Q4 20241.12%
Q1 20251.11%
Q2 20251.06%
Q3 20251.05%
Q4 20250.98%
Q1 20261.01%
Q2 20261.03%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202677$65.0M11.81%0.64%1.03%52.4%
Q1 202664$64.3M11.66%1.96%1.01%52.6%
Q4 202581$61.8M11.87%0.21%0.98%55.0%
Q3 202583$60.4M11.99%0.01%1.05%56.0%
Q2 202579$60.7M11.68%0.39%1.06%56.4%
Q1 202578$61.5M11.29%0.38%1.11%56.0%
Q4 202482$59.4M11.41%0.00%1.12%58.2%
Q3 202482$57.4M11.53%0.02%1.07%59.0%
Q2 202482$56.0M11.55%0.00%1.11%60.8%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.81%
30th
Problem loans0.64%
52nd
Net charge-offs-0.18%
95th
Return on assets1.03%
68th
Loans to deposits52.4%
60th
Uninsured deposits1.0%
54th
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Education 1st Credit UnionCredit union Ogden, UT68 out of 100, Moderate$61.9M9.9%0.05%vs
Kings Peak Credit UnionCredit union Roosevelt, UT46 out of 100, Below average$68.4M9.3%3.03%vs
Firefighters Credit UnionCredit union Draper, UT68 out of 100, Moderate$69.6M10.5%0.16%vs
Freedom Credit UnionCredit union Provo, UT77 out of 100, Strong$70.0M11.7%0.24%vs
Desertview Federal Credit UnionCredit union Huntington, UT74 out of 100, Strong$48.3M13.7%1.90%vs
Nephi Western Employees Federal Credit UnionCredit union Nephi, UT90 out of 100, Very strong$46.4M34.5%0.15%vs

Deposit insurance

Is my money safe at Millard County Credit Union?

Yes. Millard County Credit Union is a federally insured credit union (NCUA charter #60494). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 1.0% of shares and deposits ($590K) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 11.81%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Identity & history

Profile

Legal name
Millard County Credit Union
Type
Federally insured state-chartered credit union
NCUA charter #
60494
RSSD ID
455495
Primary regulator
State + NCUA
Established
1956
Headquarters
45 S Main St, PO BOX 230, Fillmore, UT 84631
Employees
13

Quick answers

Millard County Credit Union: common questions

Is Millard County Credit Union NCUA insured?

Yes. Millard County Credit Union is a federally insured credit union (NCUA charter #60494). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Millard County Credit Union's TellerScore?

77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.