TellerScore

Millstream Area Credit Union (NCUA charter #96756) is based in Findlay, Ohio. Its Q2 2026 call report shows $70.8M in total assets and $61.3M in member shares and deposits and 3 offices.

Millstream Area Credit Union has a TellerScore of 82 out of 100 (strong) based on Q2 2026 data — higher than 70% of its 2,479 credit unions with under $100 million in assets. Among 192 credit unions headquartered in Ohio, it ranks 45th. Funding & liquidity contributes the most (100/100, 56% loans-to-deposits, 0% uninsured); capital cushion contributes the least (76/100, 12.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion76/100
Net worth ratio: 12.64%
Loan quality78/100
Loans 60+ days delinquent ÷ total loans: 0.66%
Earnings77/100
Return on assets (annualized): 1.41%
Funding & liquidity100/100
Loans ÷ shares: 55.9% · 0.0% uninsured
Problem-loan coverage95/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 2.53%

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 rose 17 points (65 → 82), mostly because the loan quality component improved by 41 points.

TellerScore
657482Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202479
Q3 202479
Q4 202477
Q1 202571
Q2 202565
Q3 202571
Q4 202572
Q1 202679
Q2 202682
Net worth ratio
7.00%9.82%12.64%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202411.52%
Q3 202411.93%
Q4 202412.17%
Q1 202511.70%
Q2 202511.82%
Q3 202512.29%
Q4 202511.95%
Q1 202612.39%
Q2 202612.64%
Delinquent loans (60+ days)
0.61%1.25%1.88%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20240.83%
Q4 20241.18%
Q1 20251.32%
Q2 20251.88%
Q3 20251.58%
Q4 20251.36%
Q1 20261.00%
Q2 20260.66%
Return on assets
1.05%1.29%1.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.41%
Q3 20241.51%
Q4 20241.52%
Q1 20251.14%
Q2 20251.05%
Q3 20251.22%
Q4 20251.23%
Q1 20261.53%
Q2 20261.41%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202682$70.8M12.64%0.66%1.41%55.9%
Q1 202679$70.3M12.39%1.00%1.53%55.5%
Q4 202572$70.6M11.95%1.36%1.23%56.4%
Q3 202571$66.8M12.29%1.58%1.22%58.7%
Q2 202565$67.4M11.82%1.88%1.05%57.4%
Q1 202571$66.7M11.70%1.32%1.14%53.5%
Q4 202477$62.5M12.17%1.18%1.52%57.7%
Q3 202479$62.1M11.93%0.83%1.51%57.2%
Q2 202479$61.9M11.52%0.61%1.41%57.4%

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 ratio12.64%
37th
Problem loans0.66%
51st
Net charge-offs0.38%
33rd
Return on assets1.41%
83rd
Loans to deposits55.9%
54th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio2.5%
47th

Similar-size credit unions in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
Doy Federal Credit UnionCredit union Youngstown, OH85 out of 100, Very strong$70.8M14.1%0.25%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Jeep Country Federal Credit UnionCredit union Holland, OH53 out of 100, Below average$72.1M15.1%3.66%vs
Educational Community Alliance Credit UnionCredit union Toledo, OH77 out of 100, Strong$68.9M11.3%0.14%vs
Lan-Fair Federal Credit UnionCredit union Lancaster, OH69 out of 100, Moderate$72.9M10.0%0.37%vs
Integrity Federal Credit UnionCredit union Barberton, OH74 out of 100, Strong$73.4M9.8%0.42%vs

Deposit insurance

Is my money safe at Millstream Area Credit Union?

Millstream Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

An estimated 0.0% of shares and deposits ($0) 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 12.64%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Millstream Area Credit Union lists 3 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Millstream Area Credit Union
Type
Non-federally insured state credit union
NCUA charter #
96756
RSSD ID
782696
Primary regulator
State + NCUA
Headquarters
1007 Western Ave, Findlay, OH 45840
Employees
25

Quick answers

Millstream Area Credit Union: common questions

Is Millstream Area Credit Union NCUA insured?

Millstream Area Credit Union files NCUA call reports but its charter type is recorded as not federally insured. Ask the credit union how deposits are insured.

What is Millstream Area Credit Union's TellerScore?

82 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.

How many branches does Millstream Area Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Findlay

InstitutionScoreAssetsCapitalProblem loansCompare
Superior Credit Union, IncCredit union Lima, OH94 out of 100, Very strong$2.0B15.2%0.20%vs
Carey Poverello Federal Credit UnionCredit union Carey, OH81 out of 100, Strong$32.7M12.9%0.34%vs
Usx Federal Credit UnionCredit union Cranberry Twp, PA78 out of 100, Strong$258.1M12.5%0.18%vs
The First Citizens National Bank of Upper SanduskyBank Upper Sandusky, OH78 out of 100, Strong$389.9M12.6%0.01%vs
The Corn City State BankBank Deshler, OH77 out of 100, Strong$104.5M10.8%0.01%vs
The Hamler State BankBank Hamler, OH76 out of 100, Strong$125.3M14.3%1.38%vs