Findlay, Ohio · Peer group 4
Millstream Area Credit Union
Millstream Area Credit Union holds $70.3M in assets across 7,832 members as of Q1 2026 — about $9K of assets per member. Charter number 96756, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $70.3M |
|---|---|
| Total loans | $33.9M |
| Total shares (deposits) | $61.2M |
| Net worth | $8.7M |
| Members | 7,832 |
| Assets per member | $9K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 5.4% | |
|---|---|---|
| Loans | 8.6% | around the 89th percentile of its peer group |
| Deposits | 4.7% | around the 73rd percentile of its peer group |
| Members | 0.1% | around the 68th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 55.5% | around the 41st percentile of its peer group |
|---|---|---|
| Net worth ratio | 12.4% | around the 46th percentile of its peer group |
| Return on assets | 1.53% | around the 86th percentile of its peer group |
| Delinquency ratio | 1.00% | around the 72nd percentile of its peer group |
| Cash / assets | 9.2% | around the 40th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Millstream Area Credit Union’s own reported position. A CUSignals subscription adds the layer on top of it: how likely it is to merge, with a calibrated one-year probability; how attractive it would be to an acquirer; a liquidity-stress score and funding-need flag; whether it buys or sells loan participations; and which platforms it runs. Each score shows the plain-English reason it moved and the weights that built it.
Similar credit unions
Closest in size within Ohio — the comparison set a peer ratio is measured against.
- Doy Credit Union
Youngstown, OH
$70.1M · 2,078 members
- L C E Credit Union
Painesville, OH
$71.1M · 5,656 members
- Kh Credit Union, Inc.
Dayton, OH
$69.4M · 7,774 members
- Educational Community Alliance Credit Union
Toledo, OH
$68.9M · 5,286 members
- Integrity Credit Union
BARBERTON, OH
$72.7M · 5,732 members
- Lan-Fair Credit Union
LANCASTER, OH
$72.9M · 3,958 members
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